Banks in Elgin, SC

Bank branch map: Elgin

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 3 banks and credit unions operate 3 locations in Elgin, according to the FDIC and the NCUA. 3 of them have coordinates on record and are on the map. 2 publish opening hours.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks and credit unions in Elgin

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: First Citizens Bank and First Palmetto Bank have the most locations in Elgin, with 1 each. 2 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

First Citizens Bank First-Citizens Bank & Trust Company · 1 branch · main office Raleigh, NC Bank · 1

First Citizens Bank has 1 branch in Elgin, 113 across South Carolina and 518 nationwide. FDIC records list its main office in Raleigh, NC and show it operating since 1898. With $236.32 billion in total assets on June 30, 2026, it ranks No. 19 of 4,232 U.S. banks by total assets. The Elgin Branch at 2464 Main St dates to 1985 in FDIC branch records. Its published hours do not list Saturday.

• Elgin Branch

  2464 Main St, 29045

  (803) 438-5416Today 9 am to 5 pm

  All hours

  Mon to Fri 9 am to 5 pm; Sat to Sun closed

  Hours: First Citizens Bank branch locator (All The Places), checked Oct 10, 2026

  DirectionsBranch page

First Citizens Bank: profile, branches and contacts

First Palmetto Bank 1 branch · main office Camden, SC Bank · 1

First Palmetto Bank has 1 branch in Elgin, 22 across South Carolina and 22 nationwide. FDIC records list its main office in Camden, SC and show it operating since 1904. With $1.10 billion in total assets on June 30, 2026, it ranks No. 961 of 4,232 U.S. banks by total assets. The Pontiac Branch at 10540 Two Notch Rd dates to 1989 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Pontiac Branch

  10540 Two Notch Rd, 29045

  Hours: see the bank's site
  DirectionsWebsite

First Palmetto Bank: profile, branches and contacts

Mid Carolina Credit Union 1 office · main office Lugoff, SC Credit union · 1

Mid Carolina Credit Union has 1 office in Elgin, 5 across South Carolina. It is based in Lugoff, SC and $177.7 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.

Who can join: see the credit union's site.

• Elgin

  2480 Main St, 29045

  (803) 432-8521Today 8:30 am to 5 pm

  All hours

  Mon to Thu 8:30 am to 5 pm; Fri 8:30 am to 6 pm; Sat to Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Mid Carolina Credit Union: profile, branches and contacts

Join a credit union in Elgin

1 credit union has 1 office here: Mid Carolina Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Elgin page has every office in the state's directory.

Banking in Elgin: the local picture

Short answer: 2 banks run 2 branches in Elgin according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 2 banks, 0 have their main office in Elgin, 1 elsewhere in South Carolina and 1 out of state, according to the FDIC.

The bank with the longest record here is First Citizens Bank, operating since 1898 according to the FDIC. In FDIC branch records, the longest-running branch is First Citizens Bank's office at 2464 Main St, dating to 1985; the newest is First Palmetto Bank's at 10540 Two Notch Rd, from 1989.

The only credit union with an office here is Mid Carolina Credit Union.

Of the 2 locations with published hours. None open on Saturday. 1 location has no published hours in these sources.

Saturday hours in Elgin

Short answer: None of the 2 Elgin locations with published hours lists Saturday hours. 1 location does not publish hours in these sources; call ahead.

Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 1 of the 3 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.

Chase, Bank of America and other national banks

Which big national banks have branches in Elgin, and where the nearest one is if they do not.

Short answer: No branches in Elgin: Chase (nearest in Columbia, 4 mi), Wells Fargo (nearest in Columbia, 3 mi), Bank of America (nearest in Columbia, 5 mi), PNC Bank (nearest in Columbia, 16 mi), U.S. Bank, Truist (nearest in Columbia, 3 mi), Fifth Third Bank (nearest in Columbia, 20 mi), Huntington (nearest in Spartanburg, 84 mi), Regions Bank (nearest in Columbia, 16 mi), TD Bank (nearest in Columbia, 5 mi), BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Elgin to the nearest branch in South Carolina.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Elgin residents like anyone else.

Banks near Elgin

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Blythewood (10 miles) and Columbia (13 miles). Columbia, 13 miles away, has the most banks nearby: 24.

Bank branch openings and closings in Elgin

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Elgin between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Elgin by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Elgin offices.

Short answer: First Citizens Bank is the largest bank with offices in Elgin, with $236.32 billion in total assets on June 30, 2026, No. 19 among U.S. banks by total assets. First Palmetto Bank is second with $1.10 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Elgin: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.