US Bank Directory
Banks in Harker Heights, TX
6 FDIC-insured banks operate 8 offices in Harker Heights, Texas, and 3 credit unions have 3 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Harker Heights
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: 9 banks and credit unions operate 11 locations in Harker Heights, according to the FDIC and the NCUA. 11 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
11 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 Harker Heights
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: First National Bank Texas has the most locations in Harker Heights, with 3. The other 5 each 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 National Bank Texas Bank · 3
First National Bank Texas has 3 branches in Harker Heights, 298 across Texas and 357 nationwide. FDIC records list its main office in Killeen, TX and show it operating since 1901. With $4.64 billion in total assets on June 30, 2026, it ranks No. 302 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Harker Heights location is the Harker Heights Branch - Rc 121 at 601 Indian Trl, dating to 1995; the newest, at 201 E Central Texas Expy, to 2008. It does not publish hours in the sources this page uses; check its site before you go.
-
Market Heights Banking Center - Rc 126 Branch201 E Central Texas Expy, 76548
-
Harker Heights Wal Mart - Rc 8802020 Heights Dr, 76548
-
Harker Heights Branch - Rc 121601 Indian Trl, 76548
A+ Credit Union Credit union · 1
A+ Credit Union has 1 office in Harker Heights, 22 across Texas. It is based in Austin, TX and $2.58 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.
-
Harker Heights400 W Central Texas Expy, 76548
All hours
Mon to Fri 9 am to 5 pm; Sat 10 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Chase Bank · 1
Chase has 1 branch in Harker Heights, 489 across Texas and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. The Harker Heights Branch at 201 E Central Texas Expy dates to 2009 in FDIC branch records. It opens on Saturday.
-
Harker Heights Branch201 E Central Texas Expy, 76548
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
Extraco Banks Bank · 1
Extraco Banks has 1 branch in Harker Heights, 16 across Texas and 16 nationwide. FDIC records list its main office in Temple, TX and show it operating since 1933. With $2.57 billion in total assets on June 30, 2026, it ranks No. 493 of 4,232 U.S. banks by total assets. The Harker Heights Branch at 100 W Central Texas Expy dates to 1990 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Harker Heights Branch100 W Central Texas Expy, 76548
Navy Federal Credit Union Credit union · 1
Navy Federal Credit Union has 1 office in Harker Heights, 38 across Texas. It is based in Vienna, VA and $203.56 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.
-
Harker Heights Tx201 E Central Texas Expy Ste 690, 76548
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Pentagon Credit Union Credit union · 1
Pentagon Credit Union has 1 office in Harker Heights, 10 across Texas. It is based in Mclean, VA and $29.40 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.
-
Harker Heights701 W Central Texas Expy, 76548
All hours
Mon to Fri 9 am to 5:30 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Security Bank of Texas Bank · 1
Security Bank of Texas has 1 branch in Harker Heights, 4 across Texas and 4 nationwide. FDIC records list its main office in Crawford, TX and show it operating since 1940. With $175.9 million in total assets on June 30, 2026, it ranks No. 3,152 of 4,232 U.S. banks by total assets. The Security Bank Of Texas - Harker Heights Branch at 2006 S Ann Blvd dates to 2025 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Security Bank Of Texas - Harker Heights Branch2006 S Ann Blvd, 76548
SouthStar Bank, S.S.B. Bank · 1
SouthStar Bank, S.S.B. has 1 branch in Harker Heights, 16 across Texas and 16 nationwide. FDIC records list its main office in Moulton, TX and show it operating since 1920. With $1.37 billion in total assets on June 30, 2026, it ranks No. 807 of 4,232 U.S. banks by total assets. The Harker Heights Branch at 905 E Fm 2410 Rd dates to 2010 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Harker Heights Branch905 E Fm 2410 Rd, 76548
VeraBank Bank · 1
VeraBank has 1 branch in Harker Heights, 43 across Texas and 43 nationwide. FDIC records list its main office in Henderson, TX and show it operating since 1930. With $4.58 billion in total assets on June 30, 2026, it ranks No. 304 of 4,232 U.S. banks by total assets. The Harker Heights Branch at 345 E Fm 2410 Rd dates to 2006 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Harker Heights Branch345 E Fm 2410 Rd, 76548
Join a credit union in Harker Heights
3 credit unions have 3 offices here: Navy Federal Credit Union, Pentagon Credit Union and A+ 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 Harker Heights page has every office in the state's directory.
Banking in Harker Heights: the local picture
Short answer: 6 banks run 8 branches in Harker Heights 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 6 banks, 0 have their main office in Harker Heights, 5 elsewhere in Texas and 1 out of state, according to the FDIC.
The bank with the longest record here is Chase, operating since 1824 according to the FDIC. In FDIC branch records, the longest-running branch is Extraco Banks's office at 100 W Central Texas Expy, dating to 1990; the newest is Security Bank of Texas's at 2006 S Ann Blvd, from 2025.
3 credit unions have 3 offices in Harker Heights, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. 4 open on Saturday. 7 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Harker Heights
Short answer: 4 of the 4 Harker Heights locations with published hours open on Saturday, run by 4 institutions.
- Chase: 1 of 1 branch (201 E Central Texas Expy: Saturday 9 am to 2 pm)
- Navy Federal Credit Union: 1 of 1 office (201 E Central Texas Expy Ste 690: Saturday 9 am to 2 pm)
- Pentagon Credit Union: 1 of 1 office (701 W Central Texas Expy: Saturday 9 am to 1 pm)
- A+ Credit Union: 1 of 1 office (400 W Central Texas Expy: Saturday 10 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; 7 of the 11 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 Harker Heights, and where the nearest one is if they do not.
Short answer: In Harker Heights: Chase (1). No branches in Harker Heights: Wells Fargo (nearest in Temple, 18 mi), Bank of America (nearest in Killeen, 4 mi), PNC Bank (nearest in Killeen, 4 mi), U.S. Bank (nearest in Dallas, 138 mi), Truist (nearest in Round Rock, 39 mi), Fifth Third Bank (nearest in Cedar Park, 39 mi), Huntington (nearest in Killeen, 2 mi), Regions Bank (nearest in Georgetown, 29 mi), TD Bank, BMO (nearest in Dallas, 129 mi).
| Bank | In Harker Heights | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| Wells Fargo | None | Temple, 18 miles away |
| Bank of America | None | Killeen, 4 miles away |
| PNC Bank | None | Killeen, 4 miles away |
| U.S. Bank | None | Dallas, 138 miles away |
| Truist | None | Round Rock, 39 miles away |
| Fifth Third Bank | None | Cedar Park, 39 miles away |
| Huntington | None | Killeen, 2 miles away |
| Regions Bank | None | Georgetown, 29 miles away |
| TD Bank | None | none in Texas |
| BMO | None | Dallas, 129 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Harker Heights to the nearest branch in Texas.
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 Harker Heights residents like anyone else.
Banks near Harker Heights
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Killeen (4 miles) and Salado (11 miles). Temple, 17 miles away, has the most banks nearby: 13.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Killeen, TX | 4 mi | 8 | 18 |
| Banks in Salado, TX | 11 mi | 4 | 4 |
| Banks in Belton, TX | 12 mi | 5 | 6 |
| Banks in Copperas Cove, TX | 14 mi | 4 | 6 |
| Banks in Temple, TX | 17 mi | 13 | 22 |
| Banks in Jarrell, TX | 17 mi | 2 | 2 |
| Banks in Gatesville, TX | 27 mi | 5 | 5 |
| Banks in Granger, TX | 28 mi | 2 | 2 |
Bank branch openings and closings in Harker Heights
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Harker Heights between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Harker Heights by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Harker Heights offices.
Short answer: Chase is the largest bank with offices in Harker Heights, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. First National Bank Texas is second with $4.64 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 1 | Columbus, OH |
| First National Bank Texas | $4.64 billion | No. 302 | 3 | Killeen, TX |
| VeraBank | $4.58 billion | No. 304 | 1 | Henderson, TX |
| Extraco Banks | $2.57 billion | No. 493 | 1 | Temple, TX |
| SouthStar Bank, S.S.B. | $1.37 billion | No. 807 | 1 | Moulton, TX |
| Security Bank of Texas | $175.9 million | No. 3,152 | 1 | Crawford, TX |
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 Harker Heights: FAQ
How many banks are in Harker Heights, TX?
Harker Heights has 6 banks with 8 branches and 3 credit unions with 3 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Harker Heights?
First National Bank Texas, with 3. Chase has 1 and VeraBank has 1.
Is there a First National Bank Texas in Harker Heights, TX?
Yes. FDIC data lists 3 First National Bank Texas branches in Harker Heights as of September 5, 2026. Its branches are listed under First National Bank Texas above, with the address and directions for each.
Is there a Chase in Harker Heights, TX?
Yes. FDIC data lists 1 Chase branch in Harker Heights as of September 5, 2026. The address and directions are under Chase above.
Is there a VeraBank in Harker Heights, TX?
Yes. FDIC data lists 1 VeraBank branch in Harker Heights as of September 5, 2026. The address and directions are under VeraBank above.
Is there a Wells Fargo in Harker Heights, TX?
No. FDIC data lists no Wells Fargo branch in Harker Heights as of September 5, 2026. The nearest is in Temple, about 18 miles away in a straight line.
Which banks in Harker Heights are open on Saturday?
Chase, Navy Federal Credit Union, Pentagon Credit Union and A+ Credit Union publish Saturday hours for one or more Harker Heights locations. The Saturday section above lists each one with its hours. 7 of the 11 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Harker Heights?
Chase has the longest record among banks with a branch here: the FDIC shows it operating since 1824.
Which credit unions can I join in Harker Heights?
Navy Federal Credit Union, Pentagon Credit Union and A+ Credit Union have offices in Harker Heights. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Harker Heights 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 Harker Heights?
Nearby cities with more banks include Killeen, Salado, Belton. Killeen is 4 miles away with 8 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 3 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 |
| Bank branch hours, phones and branch pages (1 of 8 branches: Chase) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 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 |
See your odds before you apply
Banrox shows how likely a card or loan is for your profile, from your own data, without a hard pull. Platform live; card in early access; no card issued.
Check your odds