US Bank Directory
Banks in Waco, TX
21 FDIC-insured banks operate 47 offices in Waco, Texas, and 19 credit unions have 30 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: Waco
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: 40 banks and credit unions operate 77 locations in Waco, according to the FDIC and the NCUA. 70 of them have coordinates on record and are on the map. 37 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
70 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 Waco
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: First National Bank Texas, Community Bank & Trust, Waco, Texas and American Bank have the most locations in Waco, with 4 each. 7 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.
American Bank Bank · 4
American Bank has 4 branches in Waco, 4 across Texas and 4 nationwide. FDIC records list its main office in Waco, TX and show it operating since 1982. With $625.2 million in total assets on June 30, 2026, it ranks No. 1,516 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Waco location is the Bellmead Branch at 1601 Interstate 35 N, dating to 1952; the newest, at 5901 Woodway Dr, to 2020. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office200 W State Highway 6, 76712
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Downtown Branch100 S 4th St, 76701
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Bellmead Branch1601 Interstate 35 N, 76705
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Woodway Branch5901 Woodway Dr, 76712
Community Bank & Trust, Waco, Texas Bank · 4
Community Bank & Trust, Waco, Texas has 4 branches in Waco, 4 across Texas and 4 nationwide. FDIC records list its main office in Waco, TX and show it operating since 1952. With $649.1 million in total assets on June 30, 2026, it ranks No. 1,467 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Waco location is its main office at 1800 Washington Ave, dating to 1952; the newest, at 1711 Lake Success Dr, to 2015. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office1800 Washington Ave, 76701
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Waco Branch1409 Wooded Acres Dr, 76710
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Lake Success Branch1711 Lake Success Dr, 76710
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Chapel Road Branch8820 Chapel Rd, 76712
Educators Credit Union Credit union · 4
Educators Credit Union has 4 officees in Waco, 8 across Texas. It is based in Waco, TX and $604.0 million in assets on March 31, 2026, according to its NCUA call report. 1 of its 4 Waco locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office501 W State Highway 6, 76710
All hours
Mon to Fri 7:30 am to 6 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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Tstc100 Bolling Dr, 76705
All hours
Mon to Fri 7:30 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Lakeshore2400 Lake Shore Dr, 76708
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Trojan Branch3201 S New Rd, 76706
All hours
Mon 11:30 am to 2 pm; Tue not published; Wed 11:30 am to 2 pm; Thu not published; Fri 11:30 am to 2 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
First Central Credit Union Credit union · 4
First Central Credit Union has 4 officees in Waco, 6 across Texas. It is based in Waco, TX and $188.4 million in assets on March 31, 2026, according to its NCUA call report. 1 of its 4 Waco locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office6201 Sanger Ave, 76710
All hours
Mon to Fri 7:30 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
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Bellmead Office3100 Bellmead Dr, 76705
All hours
Mon to Fri 7:30 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Dts-Centralized Lending Office6801 Sanger Ave Ste 1030, 76710
All hours
Mon to Fri 9 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Chapel Office9101 Chapel Rd, 76712
All hours
Mon to Fri 7:30 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
First National Bank Texas Bank · 4
First National Bank Texas has 4 branches in Waco, 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 Waco location is the Waco Banking Center - Rc 618 at 4320 Franklin Ave, dating to 1998; the newest, at 1821 S Valley Mills Dr, to 2022. It does not publish hours in the sources this page uses; check its site before you go.
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Valley Mills Rc389 Branch1821 S Valley Mills Dr, 76711
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Waco Banking Center - Rc 6184320 Franklin Ave, 76710
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Hewitt Banking Center - Rc 861600 Hewitt Dr, 76712
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Heb - Bellmead Banking Center Rc 616801 N Interstate 35, 76705
Chase Bank · 3
Chase has 3 branches in Waco, 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. In FDIC branch records, its longest-running Waco location is the New Road Branch at 320 N New Rd, dating to 1960; the newest, at 720 S 5th St, to 2023. All 2 of its Waco locations with published hours open on Saturday.
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New Road Branch320 N New Rd, 76710
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
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University Waco Branch720 S 5th St, 76706
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Midway Banking Center Branch800 Hewitt Dr, 76712
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
Extraco Banks Bank · 3
Extraco Banks has 3 branches in Waco, 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. In FDIC branch records, its longest-running Waco location is the Waco/North Valley Mills Branch at 1700 N Valley Mills Dr, dating to 1985; the newest, at 605 S University Parks Dr, to 2015. It does not publish hours in the sources this page uses; check its site before you go.
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Waco/North Valley Mills Branch1700 N Valley Mills Dr, 76710
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Midway Branch200 Hewitt Dr, 76712
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Downtown Waco Branch605 S University Parks Dr, 76706
First National Bank of Central Texas Bank · 3
First National Bank of Central Texas has 3 branches in Waco, 7 across Texas and 7 nationwide. FDIC records list its main office in Waco, TX and show it operating since 1901. With $1.77 billion in total assets on June 30, 2026, it ranks No. 651 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Waco location is its main office at 1835 N Valley Mills Dr, dating to 1901; the newest, at 7500 Woodway Dr, to 2009. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office1835 N Valley Mills Dr, 76710
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China Spring Branch10332 China Spring Rd, 76708
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Woodway-Hewitt Branch7500 Woodway Dr, 76712
PNC Bank Bank · 3
PNC Bank has 3 branches in Waco, 322 across Texas and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Waco location is the Bellmead Branch at 4010 Bellmead Dr, dating to 1919; the newest, at 9103 Woodway Dr, to 2009. 1 of its 3 Waco locations with published hours open on Saturday.
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Waco North Valley Mills Branch1227 N Valley Mills Dr, 76710
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
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Bellmead Branch4010 Bellmead Dr, 76705
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
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Midway Branch9103 Woodway Dr, 76712
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
The First National Bank of McGregor Bank · 3
The First National Bank of McGregor has 3 branches in Waco, 6 across Texas and 6 nationwide. FDIC records list its main office in Mc Gregor, TX and show it operating since 1889. With $1.08 billion in total assets on June 30, 2026, it ranks No. 981 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Waco location is the Tfnb Triangle Tower Location Branch at 510 N Valley Mills Dr, dating to 2017; the newest, at 700 Elm Ave, to 2020. It does not publish hours in the sources this page uses; check its site before you go.
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Tfnb Triangle Tower Location Branch510 N Valley Mills Dr, 76710
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Waco Branch700 Elm Ave, 76704
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Downtown Waco Branch901 S 8th St, 76706
Wells Fargo Bank · 3
Wells Fargo has 3 branches in Waco, 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. In FDIC branch records, its longest-running Waco location is the Waco Main Branch at 300 Franklin Ave, dating to 1874; the newest, at 8900 W Highway 84, to 2004. All 3 of its Waco locations with published hours open on Saturday.
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Waco Wooded Acres Branch1105 Wooded Acres Dr, 76710
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
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Waco Main Branch300 Franklin Ave, 76701
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
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Hewitt-Woodway Branch8900 W Highway 84, 76712
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
1st University Credit Union Credit union · 2
1st University Credit Union has 2 officees in Waco, 2 across Texas. It is based in Waco, TX and $17.8 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Waco locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office24 La Salle Ave Unit C, 76706
All hours
Mon to Fri 7:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Chartwells Management Offices2100 River St, 76706
All hours
Mon to Fri 8 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Alliance Bank Central Texas Bank · 2
Alliance Bank Central Texas has 2 branches in Waco, 8 across Texas and 8 nationwide. FDIC records list its main office in Woodway, TX and show it operating since 1939. With $1.32 billion in total assets on June 30, 2026, it ranks No. 835 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Waco location is the Farm Bureau Branch at 7420 Fish Pond Rd, dating to 1956; the newest, at 4721 Bosque Blvd, to 2020. It does not publish hours in the sources this page uses; check its site before you go.
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Bosque Branch4721 Bosque Blvd, 76710
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Farm Bureau Branch7420 Fish Pond Rd, 76710
Bank of America Bank · 2
Bank of America has 2 branches in Waco, 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. In FDIC branch records, its longest-running Waco location is the Lake Air Branch at 1100 N Valley Mills Dr, dating to 1963; the newest, at 401 Hewitt Dr, to 1989. 1 of its 2 Waco locations with published hours open on Saturday.
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Lake Air Branch1100 N Valley Mills Dr, 76710
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
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Midway Branch401 Hewitt Dr, 76712
All hours
Mon closed; Tue to Fri 9 am to 4 pm; Sat to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Central National Bank Bank · 2
Central National Bank has 2 branches in Waco, 5 across Texas and 5 nationwide. FDIC records list its main office in Waco, TX and show it operating since 1977. With $1.47 billion in total assets on June 30, 2026, it ranks No. 752 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Waco location is its main office at 8320 W Highway 84, dating to 1977; the newest, at 5400 Bosque Blvd, to 1993. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office8320 W Highway 84, 76712
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Central Tower Branch5400 Bosque Blvd, 76710
Genco Credit Union Credit union · 2
Genco Credit Union has 2 officees in Waco, 5 across Texas. It is based in Waco, TX and $490.9 million in assets on March 31, 2026, according to its NCUA call report. All 2 of its Waco locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office731 N Valley Mills Dr, 76710
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
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Northeast1500 N Loop 340, 76705
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Heart O' Texas Credit Union Credit union · 2
Heart O' Texas Credit Union has 2 officees in Waco, 3 across Texas. It is based in Waco, TX and $54.6 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Waco locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office7500 Imperial Drive, 76712
All hours
Mon 9 am to 5 pm; Tue to Wed not published; Thu 9 am to 5 pm; Fri 9 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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L37412 Maehr Rd, 76705
All hours
Mon to Wed not published; Thu to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Huntington Bank · 2
Huntington has 2 branches in Waco, 152 across Texas and 1,477 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1866. With $283.07 billion in total assets on June 30, 2026, it ranks No. 15 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Waco location is the Waco Bagby Branch at 5500 Bagby Ave, dating to 2007; the newest, at 4901 Bosque Blvd, to 2014. It does not publish hours in the sources this page uses; check its site before you go.
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Waco Bosque Branch4901 Bosque Blvd, 76710
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Waco Bagby Branch5500 Bagby Ave, 76711
Members Choice of Central Texas Credit Union Credit union · 2
Members Choice of Central Texas Credit Union has 2 officees in Waco, 3 across Texas. It is based in Waco, TX and $213.3 million in assets on March 31, 2026, according to its NCUA call report. 1 of its 2 Waco locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office4631 W Waco Dr, 76710
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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Northside Branch845 New Dallas Hwy, 76705
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
SouthState Bank · 2
SouthState has 2 branches in Waco, 69 across Texas and 374 nationwide. FDIC records list its main office in Winter Haven, FL and show it operating since 1992. With $68.79 billion in total assets on June 30, 2026, it ranks No. 41 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Waco location is the Waco Branch at 8004 Woodway Dr, dating to 1911; the newest, at 5401 Bosque Blvd, to 2007. It does not publish hours in the sources this page uses; check its site before you go.
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Bosque Branch5401 Bosque Blvd, 76710
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Waco Branch8004 Woodway Dr, 76712
Waco Credit Union Credit union · 2
Waco Credit Union has 2 officees in Waco, 2 across Texas. It is based in Waco, TX and $20.2 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Waco locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office826 N 3Rd St, 76707
All hours
Mon to Thu 9 am to 3 pm; Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Data Systems Of Texas5213 Lake Shore Dr, 76710
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Acadiana Medical Credit Union Credit union · 1
Acadiana Medical Credit Union has 1 office in Waco, 1 across Texas. It is based in Lafayette, LA and $13.6 million 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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Sharetec5213 Lake Shore Dr, 76710
All hours
Mon to Sun 24 hours
Hours: NCUA, March 31, 2026
Baker Hughes Credit Union Credit union · 1
Baker Hughes Credit Union has 1 office in Waco, 3 across Texas. It is based in Houston, TX and $11.6 million 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.
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Data Systems Of Texas720 N 64Th St, 76710
Fidelity Bank of Texas Bank · 1
Fidelity Bank of Texas has 1 branch in Waco, 2 across Texas and 2 nationwide. FDIC records list its main office in Waco, TX and show it operating since 1974. With $162.8 million in total assets on June 30, 2026, it ranks No. 3,229 of 4,232 U.S. banks by total assets. Its main office at 1901 Lake Shore Dr dates to 1974 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 office1901 Lake Shore Dr, 76708
First Guaranty Bank Bank · 1
First Guaranty Bank has 1 branch in Waco, 5 across Texas and 30 nationwide. FDIC records list its main office in Hammond, LA and show it operating since 1934. With $3.89 billion in total assets on June 30, 2026, it ranks No. 342 of 4,232 U.S. banks by total assets. The Waco Branch at 7600 Woodway Dr dates to 2014 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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Waco Branch7600 Woodway Dr, 76712
First National Bank of Bosque County Bank · 1
First National Bank of Bosque County has 1 branch in Waco, 4 across Texas and 4 nationwide. FDIC records list its main office in Valley Mills, TX and show it operating since 1908. With $182.3 million in total assets on June 30, 2026, it ranks No. 3,115 of 4,232 U.S. banks by total assets. The Ranch House Branch at 8213 North Highway 6 dates to 1995 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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Ranch House Branch8213 North Highway 6, 76712
First State Bank Bank · 1
First State Bank has 1 branch in Waco, 14 across Texas and 14 nationwide. FDIC records list its main office in Gainesville, TX and show it operating since 1905. With $1.85 billion in total assets on June 30, 2026, it ranks No. 640 of 4,232 U.S. banks by total assets. The Waco Branch at 719 North New Road dates to 2024 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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Waco Branch719 North New Road, 76710
Fontana Credit Union Credit union · 1
Fontana Credit Union has 1 office in Waco, 1 across Texas. It is based in Fontana, CA and $17.2 million 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.
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Data Systems Of Texas5213 Lake Shore Dr, 76710
Highway District 9 Credit Union Credit union · 1
Highway District 9 Credit Union has 1 office in Waco, 1 across Texas. It is based in Waco, TX and $4.2 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.
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Main Office main office2417 Columbus Ave, 76701
All hours
Mon to Fri 12 pm to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Incommons Bank Bank · 1
Incommons Bank has 1 branch in Waco, 6 across Texas and 6 nationwide. FDIC records list its main office in Mexia, TX and show it operating since 1882. With $277.6 million in total assets on June 30, 2026, it ranks No. 2,590 of 4,232 U.S. banks by total assets. The Waco Branch at 5400 Crosslake Pkwy dates to 2009 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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Waco Branch5400 Crosslake Pkwy, 76712
Kraftman Credit Union Credit union · 1
Kraftman Credit Union has 1 office in Waco, 1 across Texas. It is based in Bastrop, LA and $141.9 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.
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Bradford Scott5213 Lake Shore Dr, 76710
All hours
Mon to Fri 8 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Linkage Credit Union Credit union · 1
Linkage Credit Union has 1 office in Waco, 1 across Texas. It is based in Waco, TX and $17.9 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.
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Main Office main office4527 Speight Ave, 76711
All hours
Mon to Thu 9 am to 3:30 pm; Fri 9 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Matagorda County Credit Union Credit union · 1
Matagorda County Credit Union has 1 office in Waco, 3 across Texas. It is based in Bay City, TX and $36.7 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.
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Data Systems Of Texas720 N 64Th St, 76710
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Mclennan County Employees Credit Union Credit union · 1
Mclennan County Employees Credit Union has 1 office in Waco, 2 across Texas. It is based in Waco, TX and $20.7 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.
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Main Office main office215 N 5Th St Ste 224, 76701
All hours
Mon to Fri 8:30 am to 4 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Mcmurrey Credit Union Credit union · 1
Mcmurrey Credit Union has 1 office in Waco, 3 across Texas. It is based in Tyler, TX and $22.2 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.
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Sharetec5213 Lake Shore Dr, 76710
All hours
Mon to Fri 8 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Pba Credit Union Credit union · 1
Pba Credit Union has 1 office in Waco, 1 across Texas. It is based in Pine Bluff, AR and $11.0 million 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.
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Data Systems Of Texas5213 Lake Shore Dr, 76710
POINTWEST BANK Bank · 1
POINTWEST BANK has 1 branch in Waco, 4 across Texas and 4 nationwide. FDIC records list its main office in West, TX and show it operating since 1893. With $137.3 million in total assets on June 30, 2026, it ranks No. 3,427 of 4,232 U.S. banks by total assets. The China Spring Branch at 10101 China Spring Rd dates to 2008 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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China Spring Branch10101 China Spring Rd, 76708
Southern Teachers & Parents Credit Union Credit union · 1
Southern Teachers & Parents Credit Union has 1 office in Waco, 1 across Texas. It is based in Baton Rouge, LA and $29.6 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.
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Data Systems/Sharetec5213 Lake Shore Dr, 76710
All hours
Mon to Fri 8 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Sunflower Bank Bank · 1
Sunflower Bank has 1 branch in Waco, 23 across Texas and 103 nationwide. FDIC records list its main office in Dallas, TX and show it operating since 1892. With $15.65 billion in total assets on June 30, 2026, it ranks No. 125 of 4,232 U.S. banks by total assets. The Waco N. Valley Mills Branch at 1300 N Valley Mills Dr dates to 2006 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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Waco N. Valley Mills Branch1300 N Valley Mills Dr, 76710
Texell Credit Union Credit union · 1
Texell Credit Union has 1 office in Waco, 8 across Texas. It is based in Temple, TX and $790.7 million 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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Hewitt1221 Hewitt Dr Ste A, 76712
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Waco
19 credit unions have 30 offices here: Educators Credit Union, First Central Credit Union, Genco Credit Union, Members Choice of Central Texas Credit Union, Heart O' Texas Credit Union and Waco Credit Union and 13 more. 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 Waco page has every office in the state's directory.
Banking in Waco: the local picture
Short answer: 21 banks run 47 branches in Waco 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 21 banks, 5 have their main office in Waco, 9 elsewhere in Texas and 7 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is Wells Fargo's office at 300 Franklin Ave, dating to 1874; the newest is First State Bank's at 719 North New Road, from 2024.
19 credit unions have 30 offices in Waco, according to the NCUA. Who can join each one is on the credit unions page.
Of the 37 locations with published hours. 14 open on Saturday. 40 locations have no published hours in these sources.
Banks by ZIP code in Waco
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 76710 has the most bank and credit union offices in Waco (31), followed by 76712 (18) and 76705 (8). Offices are spread across 9 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 76710 | 31 | 28 | Alliance Bank Central Texas, Community Bank & Trust, Waco, Texas, First Central Credit Union |
| 76712 | 18 | 17 | American Bank, Bank of America, Central National Bank |
| 76705 | 8 | 8 | American Bank, Educators Credit Union, First Central Credit Union |
| 76706 | 6 | 5 | 1st University Credit Union, Chase, Educators Credit Union |
| 76701 | 5 | 5 | American Bank, Community Bank & Trust, Waco, Texas, Highway District 9 Credit Union |
| 76708 | 4 | 4 | Educators Credit Union, Fidelity Bank of Texas, First National Bank of Central Texas |
| 76711 | 3 | 3 | First National Bank Texas, Huntington, Linkage Credit Union |
| 76704 | 1 | 1 | The First National Bank of McGregor |
| 76707 | 1 | 1 | Waco Credit Union |
Banks and credit unions open on Saturday in Waco
Short answer: 14 of the 37 Waco locations with published hours open on Saturday, run by 10 institutions.
- Chase: 2 of 3 branches (320 N New Rd: Saturday 9 am to 1 pm, and 1 more)
- Wells Fargo: 3 of 3 branches (1105 Wooded Acres Dr: Saturday 9 am to 2 pm, and 2 more)
- PNC Bank: 1 of 3 branches (1227 N Valley Mills Dr: Saturday 9 am to 1 pm)
- Bank of America: 1 of 2 branches (1100 N Valley Mills Dr: Saturday 9 am to 2 pm)
- Educators Credit Union: 1 of 4 offices (501 W State Highway 6: Saturday 9 am to 12 pm)
- First Central Credit Union: 1 of 4 offices (6201 Sanger Ave: Saturday 9 am to 1 pm)
- Genco Credit Union: 2 of 2 offices (731 N Valley Mills Dr: Saturday 9 am to 1 pm, and 1 more)
- Members Choice of Central Texas Credit Union: 1 of 2 offices (4631 W Waco Dr: Saturday 9 am to 12 pm)
- Texell Credit Union: 1 of 1 office (1221 Hewitt Dr Ste A: Saturday 9 am to 1 pm)
- Acadiana Medical Credit Union: 1 of 1 office (5213 Lake Shore Dr: Saturday 24 hours)
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; 40 of the 77 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 Waco, and where the nearest one is if they do not.
Short answer: In Waco: Chase (3), Wells Fargo (3), Bank of America (2), PNC Bank (3), Huntington (2). No branches in Waco: U.S. Bank (nearest in Dallas, 99 mi), Truist (nearest in Bryan, 76 mi), Fifth Third Bank (nearest in Mansfield, 75 mi), Regions Bank (nearest in Georgetown, 68 mi), TD Bank, BMO (nearest in Dallas, 90 mi).
| Bank | In Waco | Nearest branch if none here |
|---|---|---|
| Chase | 3 branches | here |
| Wells Fargo | 3 branches | here |
| Bank of America | 2 branches | here |
| PNC Bank | 3 branches | here |
| Huntington | 2 branches | here |
| U.S. Bank | None | Dallas, 99 miles away |
| Truist | None | Bryan, 76 miles away |
| Fifth Third Bank | None | Mansfield, 75 miles away |
| Regions Bank | None | Georgetown, 68 miles away |
| TD Bank | None | none in Texas |
| BMO | None | Dallas, 90 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Waco 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 Waco residents like anyone else.
Banks near Waco
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Woodway (3 miles) and West (19 miles). Temple, 33 miles away, has the most banks nearby: 13.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Woodway, TX | 3 mi | 3 | 3 |
| Banks in West, TX | 19 mi | 2 | 3 |
| Banks in Mart, TX | 20 mi | 2 | 2 |
| Banks in Marlin, TX | 23 mi | 4 | 4 |
| Banks in Lott, TX | 24 mi | 2 | 2 |
| Banks in Clifton, TX | 30 mi | 3 | 3 |
| Banks in Whitney, TX | 30 mi | 3 | 3 |
| Banks in Temple, TX | 33 mi | 13 | 22 |
Bank branch openings and closings in Waco
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Waco 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 Waco
Short answer: 15 institutions have their main office in Waco: Community Bank & Trust, Waco, Texas, American Bank, Educators Credit Union and First Central Credit Union and 11 more.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Community Bank & Trust, Waco, Texas | Bank | $649.1 million | 4 |
| American Bank | Bank | $625.2 million | 4 |
| Educators Credit Union | Credit union | $604.0 million | 4 |
| First Central Credit Union | Credit union | $188.4 million | 4 |
| First National Bank of Central Texas | Bank | $1.77 billion | 3 |
| Central National Bank | Bank | $1.47 billion | 2 |
| Genco Credit Union | Credit union | $490.9 million | 2 |
| Members Choice of Central Texas Credit Union | Credit union | $213.3 million | 2 |
| Heart O' Texas Credit Union | Credit union | $54.6 million | 2 |
| Waco Credit Union | Credit union | $20.2 million | 2 |
| 1st University Credit Union | Credit union | $17.8 million | 2 |
| Fidelity Bank of Texas | Bank | $162.8 million | 1 |
| Mclennan County Employees Credit Union | Credit union | $20.7 million | 1 |
| Linkage Credit Union | Credit union | $17.9 million | 1 |
| Highway District 9 Credit Union | Credit union | $4.2 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Waco by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Waco offices.
Short answer: Chase is the largest bank with offices in Waco, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Bank of America is second with $2.65 trillion. 5 of the 21 banks are headquartered here. 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 | 3 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 2 | Charlotte, NC |
| Wells Fargo | $1.91 trillion | No. 4 | 3 | Sioux Falls, SD |
| PNC Bank | $609.77 billion | No. 8 | 3 | Wilmington, DE |
| Huntington | $283.07 billion | No. 15 | 2 | Columbus, OH |
| SouthState | $68.79 billion | No. 41 | 2 | Winter Haven, FL |
| Sunflower Bank | $15.65 billion | No. 125 | 1 | Dallas, TX |
| First National Bank Texas | $4.64 billion | No. 302 | 4 | Killeen, TX |
| First Guaranty Bank | $3.89 billion | No. 342 | 1 | Hammond, LA |
| Extraco Banks | $2.57 billion | No. 493 | 3 | Temple, 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 Waco: FAQ
How many banks are in Waco, TX?
Waco has 21 banks with 47 branches and 19 credit unions with 30 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 Waco?
First National Bank Texas, with 4. Community Bank & Trust, Waco, Texas has 4 and American Bank has 4.
Is there a First National Bank Texas in Waco, TX?
Yes. FDIC data lists 4 First National Bank Texas branches in Waco 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 American Bank in Waco, TX?
Yes. FDIC data lists 4 American Bank branches in Waco as of September 5, 2026, the main office at 200 W State Highway 6. Its branches are listed under American Bank above, with the address and directions for each.
Is there a U.S. Bank in Waco, TX?
No. FDIC data lists no U.S. Bank branch in Waco as of September 5, 2026. The nearest is in Dallas, about 99 miles away in a straight line.
Which banks in Waco are open on Saturday?
Chase, Wells Fargo, PNC Bank and Bank of America and 6 more publish Saturday hours for one or more Waco locations. The Saturday section above lists each one with its hours. 40 of the 77 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Waco?
Community Bank & Trust, Waco, Texas, American Bank, Educators Credit Union, First Central Credit Union and First National Bank of Central Texas and 10 more have their main office in Waco, according to the FDIC and the NCUA.
What is the oldest bank in Waco?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in Waco?
Educators Credit Union, First Central Credit Union, Genco Credit Union and Members Choice of Central Texas Credit Union and 15 more have offices in Waco. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Waco 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 Waco?
Nearby cities with more banks include Woodway, West, Mart. Woodway is 3 miles away with 3 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 23 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 (10 of 47 branches: Bank of America, Chase, PNC Bank, 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 |
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