US Bank Directory
Banks in Winchester, TN
3 FDIC-insured banks operate 3 offices in Winchester, Tennessee, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Winchester
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: 4 banks and credit unions operate 4 locations in Winchester, according to the FDIC and the NCUA. 4 of them have coordinates on record and are on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
4 locations on the map
Tap a cluster to zoom in
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 Winchester
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Regions Bank, Wellworth Bank and Citizens Community Bank have the most locations in Winchester, with 1 each. 3 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.
Ascend Credit Union Credit union · 1
Ascend Credit Union has 1 office in Winchester, 30 across Tennessee. It is based in Tullahoma, TN and $4.75 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Franklin County2459 Decherd Blvd, 37398
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Citizens Community Bank Bank · 1
Citizens Community Bank has 1 branch in Winchester, 3 across Tennessee and 4 nationwide. FDIC records list its main office in Winchester, TN and show it operating since 1992. With $352.6 million in total assets on June 30, 2026, it ranks No. 2,256 of 4,232 U.S. banks by total assets. Its main office at 1418 Dinah Shore Blvd dates to 1992 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office1418 Dinah Shore Blvd, 37398
Regions Bank Bank · 1
Regions Bank has 1 branch in Winchester, 196 across Tennessee and 1,256 nationwide. FDIC records list its main office in Birmingham, AL and show it operating since 1928. With $159.79 billion in total assets on June 30, 2026, it ranks No. 27 of 4,232 U.S. banks by total assets. The Winchester Main Branch at 121 S College St dates to 1906 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Winchester Main Branch121 S College St, 37398
Wellworth Bank Bank · 1
Wellworth Bank has 1 branch in Winchester, 20 across Tennessee and 20 nationwide. FDIC records list its main office in Lafayette, TN and show it operating since 1909. With $1.84 billion in total assets on June 30, 2026, it ranks No. 644 of 4,232 U.S. banks by total assets. The Merchant Center Branch at 2695 Decherd Blvd dates to 1998 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Merchant Center Branch2695 Decherd Blvd, 37398
Join a credit union in Winchester
1 credit union has 1 office here: Ascend 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 Winchester page has every office in the state's directory.
Banking in Winchester: the local picture
Short answer: 3 banks run 3 branches in Winchester 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 3 banks, 1 has its main office in Winchester, 1 elsewhere in Tennessee and 1 out of state, according to the FDIC.
The bank with the longest record here is Wellworth Bank, operating since 1909 according to the FDIC. In FDIC branch records, the longest-running branch is Regions Bank's office at 121 S College St, dating to 1906; the newest is Wellworth Bank's at 2695 Decherd Blvd, from 1998.
The only credit union with an office here is Ascend Credit Union.
Of the 1 location with published hours. 1 opens on Saturday. 3 locations have no published hours in these sources.
Credit unions open on Saturday in Winchester
Short answer: 1 of the 1 Winchester location with published hours opens on Saturday, run by 1 institution.
- Ascend Credit Union: 1 of 1 office (2459 Decherd Blvd: Saturday 9 am to 1 pm)
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; 3 of the 4 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 Winchester, and where the nearest one is if they do not.
Short answer: In Winchester: Regions Bank (1). No branches in Winchester: Chase (nearest in Murfreesboro, 44 mi), Wells Fargo (nearest in Murfreesboro, 50 mi), Bank of America (nearest in Chattanooga, 46 mi), PNC Bank (nearest in Murfreesboro, 50 mi), U.S. Bank (nearest in Tullahoma, 13 mi), Truist (nearest in Decherd, 1 mi), Fifth Third Bank (nearest in Murfreesboro, 44 mi), Huntington (nearest in Ardmore, 45 mi), TD Bank, BMO.
| Bank | In Winchester | Nearest branch if none here |
|---|---|---|
| Regions Bank | 1 branch | here |
| Chase | None | Murfreesboro, 44 miles away |
| Wells Fargo | None | Murfreesboro, 50 miles away |
| Bank of America | None | Chattanooga, 46 miles away |
| PNC Bank | None | Murfreesboro, 50 miles away |
| U.S. Bank | None | Tullahoma, 13 miles away |
| Truist | None | Decherd, 1 mile away |
| Fifth Third Bank | None | Murfreesboro, 44 miles away |
| Huntington | None | Ardmore, 45 miles away |
| TD Bank | None | none in Tennessee |
| BMO | None | none in Tennessee |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Winchester to the nearest branch in Tennessee.
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%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
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 Winchester residents like anyone else.
Banks near Winchester
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Decherd (1 mile) and Tullahoma (13 miles). Tullahoma, 13 miles away, has the most banks nearby: 8.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Decherd, TN | 1 mi | 5 | 5 |
| Banks in Tullahoma, TN | 13 mi | 8 | 8 |
| Banks in Monteagle, TN | 15 mi | 3 | 3 |
| Banks in Lynchburg, TN | 16 mi | 2 | 2 |
| Banks in Manchester, TN | 19 mi | 8 | 10 |
| Banks in South Pittsburg, TN | 25 mi | 4 | 4 |
| Banks in Fayetteville, TN | 27 mi | 7 | 11 |
| Banks in Jasper, TN | 28 mi | 4 | 6 |
Bank branch openings and closings in Winchester
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Winchester between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Winchester
Short answer: 1 institution has its main office in Winchester: Citizens Community Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Citizens Community Bank | Bank | $352.6 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Winchester by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Winchester offices.
Short answer: Regions Bank is the largest bank with offices in Winchester, with $159.79 billion in total assets on June 30, 2026, No. 27 among U.S. banks by total assets. Wellworth Bank is second with $1.84 billion. 1 of the 3 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| Wellworth Bank | $1.84 billion | No. 644 | 1 | Lafayette, TN |
| Citizens Community Bank | $352.6 million | No. 2,256 | 1 | Winchester, TN |
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 Winchester: FAQ
How many banks are in Winchester, TN?
Winchester has 3 banks with 3 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Winchester?
Regions Bank, with 1. Wellworth Bank has 1 and Citizens Community Bank has 1.
Is there a Regions Bank in Winchester, TN?
Yes. FDIC data lists 1 Regions Bank branch in Winchester as of September 5, 2026. The address and directions are under Regions Bank above.
Is there a Wellworth Bank in Winchester, TN?
Yes. FDIC data lists 1 Wellworth Bank branch in Winchester as of September 5, 2026. The address and directions are under Wellworth Bank above.
Is there a Citizens Community Bank in Winchester, TN?
Yes. FDIC data lists 1 Citizens Community Bank branch in Winchester as of September 5, 2026, the main office at 1418 Dinah Shore Blvd. The address and directions are under Citizens Community Bank above.
Is there a Chase in Winchester, TN?
No. FDIC data lists no Chase branch in Winchester as of September 5, 2026. The nearest is in Murfreesboro, about 44 miles away in a straight line.
Which banks in Winchester are open on Saturday?
Ascend Credit Union publishes Saturday hours for one or more Winchester locations. The Saturday section above lists each one with its hours. 3 of the 4 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Winchester?
Citizens Community Bank has its main office in Winchester, according to the FDIC.
What is the oldest bank in Winchester?
Wellworth Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1909.
Which credit unions can I join in Winchester?
Ascend Credit Union has an office in Winchester. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Winchester in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Winchester?
Nearby cities with more banks include Decherd, Tullahoma, Monteagle. Decherd is 1 miles away with 5 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 1 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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