US Bank Directory
Banks in Pharr, TX
7 FDIC-insured banks operate 9 offices in Pharr, Texas, and 4 credit unions have 5 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: Pharr
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: 11 banks and credit unions operate 14 locations in Pharr, according to the FDIC and the NCUA. 14 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
14 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 Pharr
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: International Bank of Commerce and Lone Star National Bank have the most locations in Pharr, with 2 each. 5 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.
International Bank of Commerce Bank · 2
International Bank of Commerce has 2 branches in Pharr, 41 across Texas and 41 nationwide. FDIC records list its main office in Brownsville, TX and show it operating since 1984. With $4.56 billion in total assets on June 30, 2026, it ranks No. 305 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Pharr location is the Pharr Branch at 401 S Cage Blvd, dating to 1934; the newest, at 1007 N Veterans Blvd, to 2004. It does not publish hours in the sources this page uses; check its site before you go.
-
Pharr I Road Branch1007 N Veterans Blvd, 78577
-
Pharr Branch401 S Cage Blvd, 78577
Lone Star National Bank Bank · 2
Lone Star National Bank has 2 branches in Pharr, 36 across Texas and 36 nationwide. FDIC records list its main office in Pharr, TX and show it operating since 1983. With $3.28 billion in total assets on June 30, 2026, it ranks No. 393 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Pharr location is its main office at 206 W Ferguson St, dating to 1983; the newest, at 300 S Cage Blvd, to 2010. It does not publish hours in the sources this page uses; check its site before you go.
-
Main Office main office206 W Ferguson St, 78577
-
Pharr South Branch300 S Cage Blvd, 78577
Naft Credit Union Credit union · 2
Naft Credit Union has 2 officees in Pharr, 3 across Texas. It is based in Pharr, TX and $152.1 million in assets on March 31, 2026, according to its NCUA call report. All 2 of its Pharr locations with published hours open on Saturday.
Who can join: see the credit union's site.
-
Main Office main office901 N Veterans Blvd, 78577
All hours
Mon to Thu 9 am to 5:30 pm; Fri 9 am to 6 pm; Sat 10 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
-
Naft Federal Credit Union Sro4301 N Sugar Rd, 78577
All hours
Mon to Thu 9 am to 5:30 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Bank of America Bank · 1
Bank of America has 1 branch in Pharr, 313 across Texas and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The Paradise Park Branch at 501 S Jackson Rd dates to 2003 in FDIC branch records. It opens on Saturday.
-
Paradise Park Branch501 S Jackson Rd, 78577
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Bank of South Texas Bank · 1
Bank of South Texas has 1 branch in Pharr, 8 across Texas and 8 nationwide. FDIC records list its main office in Mcallen, TX and show it operating since 1986. With $174.5 million in total assets on June 30, 2026, it ranks No. 3,165 of 4,232 U.S. banks by total assets. The Bank Of South Texas Cage Branch at 840 N Cage Blvd dates to 2013 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Bank Of South Texas Cage Branch840 N Cage Blvd, 78577
First National Bank Texas Bank · 1
First National Bank Texas has 1 branch in Pharr, 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. The Swm Hidalgo Banking Center Rc326 Branch at 3000 N Jackson Rd dates to 2025 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Swm Hidalgo Banking Center Rc326 Branch3000 N Jackson Rd, 78577
Highway District 21 Credit Union Credit union · 1
Highway District 21 Credit Union has 1 office in Pharr, 2 across Texas. It is based in Mcallen, TX and $51.0 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.
-
Main Office main office600 W Ferguson St, 78577
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
PlainsCapital Bank Bank · 1
PlainsCapital Bank has 1 branch in Pharr, 57 across Texas and 57 nationwide. FDIC records list its main office in University Park, TX and show it operating since 1955. With $12.68 billion in total assets on June 30, 2026, it ranks No. 141 of 4,232 U.S. banks by total assets. The Nolana Branch at 100 E Nolana Loop dates to 2003 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Nolana Branch100 E Nolana Loop, 78577
Rally Credit Union Credit union · 1
Rally Credit Union has 1 office in Pharr, 23 across Texas. It is based in Corpus Christi, TX and $4.77 billion in assets on March 31, 2026, according to its NCUA call report. It does not publish hours in the sources this page uses; check its site before you go.
Who can join: see the credit union's site.
-
Pharr520 N Jackson Rd, 78577
Security First Credit Union Credit union · 1
Security First Credit Union has 1 office in Pharr, 9 across Texas. It is based in Mcallen, TX and $521.3 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.
-
Pharr1218 W Dicker Dr, 78577
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Pharr, 457 across Texas and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. The Pharr North Branch at 800 N Jackson Rd dates to 1999 in FDIC branch records. It opens on Saturday.
-
Pharr North Branch800 N Jackson Rd, 78577
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Pharr
4 credit unions have 5 offices here: Naft Credit Union, Rally Credit Union, Security First Credit Union and Highway District 21 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 Pharr page has every office in the state's directory.
Banking in Pharr: the local picture
Short answer: 7 banks run 9 branches in Pharr 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 7 banks, 1 has its main office in Pharr, 4 elsewhere in Texas and 2 out of state, according to the FDIC.
The bank with the longest record here is Wells Fargo, operating since 1870 according to the FDIC. In FDIC branch records, the longest-running branch is International Bank of Commerce's office at 401 S Cage Blvd, dating to 1934; the newest is First National Bank Texas's at 3000 N Jackson Rd, from 2025.
4 credit unions have 5 offices in Pharr, according to the NCUA. Who can join each one is on the credit unions page.
Of the 6 locations with published hours. 4 open on Saturday. 8 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Pharr
Short answer: 4 of the 6 Pharr locations with published hours open on Saturday, run by 3 institutions.
- Bank of America: 1 of 1 branch (501 S Jackson Rd: Saturday 9 am to 2 pm)
- Wells Fargo: 1 of 1 branch (800 N Jackson Rd: Saturday 9 am to 2 pm)
- Naft Credit Union: 2 of 2 offices (901 N Veterans Blvd: Saturday 10 am to 1 pm, and 1 more)
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; 8 of the 14 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 Pharr, and where the nearest one is if they do not.
Short answer: In Pharr: Wells Fargo (1), Bank of America (1). No branches in Pharr: Chase (nearest in Mcallen, 2 mi), PNC Bank (nearest in Mcallen, 2 mi), U.S. Bank (nearest in Houston, 295 mi), Truist (nearest in San Antonio, 218 mi), Fifth Third Bank (nearest in San Antonio, 223 mi), Huntington (nearest in Goliad, 177 mi), Regions Bank (nearest in Austin, 273 mi), TD Bank, BMO (nearest in Dallas, 463 mi).
| Bank | In Pharr | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| Bank of America | 1 branch | here |
| Chase | None | Mcallen, 2 miles away |
| PNC Bank | None | Mcallen, 2 miles away |
| U.S. Bank | None | Houston, 295 miles away |
| Truist | None | San Antonio, 218 miles away |
| Fifth Third Bank | None | San Antonio, 223 miles away |
| Huntington | None | Goliad, 177 miles away |
| Regions Bank | None | Austin, 273 miles away |
| TD Bank | None | none in Texas |
| BMO | None | Dallas, 463 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Pharr 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 Pharr residents like anyone else.
Banks near Pharr
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are San Juan (2 miles) and Mcallen (2 miles). Mcallen, 2 miles away, has the most banks nearby: 19.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in San Juan, TX | 2 mi | 5 | 5 |
| Banks in Mcallen, TX | 2 mi | 19 | 61 |
| Banks in Alamo, TX | 4 mi | 2 | 2 |
| Banks in Edinburg, TX | 6 mi | 15 | 22 |
| Banks in Mission, TX | 8 mi | 13 | 22 |
| Banks in Hidalgo, TX | 9 mi | 3 | 3 |
| Banks in Donna, TX | 9 mi | 4 | 4 |
| Banks in Alton, TX | 10 mi | 2 | 2 |
Bank branch openings and closings in Pharr
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Pharr 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 Pharr
Short answer: 2 institutions have their main office in Pharr: Lone Star National Bank and Naft Credit Union.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Lone Star National Bank | Bank | $3.28 billion | 2 |
| Naft Credit Union | Credit union | $152.1 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Pharr by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Pharr offices.
Short answer: Bank of America is the largest bank with offices in Pharr, with $2.65 trillion in total assets on June 30, 2026, No. 2 among U.S. banks by total assets. Wells Fargo is second with $1.91 trillion. 1 of the 7 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 |
|---|---|---|---|---|
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| PlainsCapital Bank | $12.68 billion | No. 141 | 1 | University Park, TX |
| First National Bank Texas | $4.64 billion | No. 302 | 1 | Killeen, TX |
| International Bank of Commerce | $4.56 billion | No. 305 | 2 | Brownsville, TX |
| Lone Star National Bank | $3.28 billion | No. 393 | 2 | Pharr, TX |
| Bank of South Texas | $174.5 million | No. 3,165 | 1 | Mcallen, 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 Pharr: FAQ
How many banks are in Pharr, TX?
Pharr has 7 banks with 9 branches and 4 credit unions with 5 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 Pharr?
International Bank of Commerce, with 2. Lone Star National Bank has 2 and Bank of America has 1.
Is there a International Bank of Commerce in Pharr, TX?
Yes. FDIC data lists 2 International Bank of Commerce branches in Pharr as of September 5, 2026. Its branches are listed under International Bank of Commerce above, with the address and directions for each.
Is there a Lone Star National Bank in Pharr, TX?
Yes. FDIC data lists 2 Lone Star National Bank branches in Pharr as of September 5, 2026, the main office at 206 W Ferguson St. Its branches are listed under Lone Star National Bank above, with the address and directions for each.
Is there a Bank of America in Pharr, TX?
Yes. FDIC data lists 1 Bank of America branch in Pharr as of September 5, 2026. The address and directions are under Bank of America above.
Is there a Chase in Pharr, TX?
No. FDIC data lists no Chase branch in Pharr as of September 5, 2026. The nearest is in Mcallen, about 2 miles away in a straight line.
Which banks in Pharr are open on Saturday?
Bank of America, Wells Fargo and Naft Credit Union publish Saturday hours for one or more Pharr locations. The Saturday section above lists each one with its hours. 8 of the 14 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Pharr?
Lone Star National Bank and Naft Credit Union have their main office in Pharr, according to the FDIC and the NCUA.
What is the oldest bank in Pharr?
Wells Fargo has the longest record among banks with a branch here: the FDIC shows it operating since 1870.
Which credit unions can I join in Pharr?
Naft Credit Union, Rally Credit Union, Security First Credit Union and Highway District 21 Credit Union have offices in Pharr. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Pharr 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 Pharr?
Nearby cities with more banks include San Juan, Mcallen, Alamo. San Juan is 2 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 5 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 (2 of 9 branches: Bank of America, Wells Fargo) | 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