US Bank Directory
Banks in Cedar City, UT
5 FDIC-insured banks operate 6 offices in Cedar City, Utah, and 3 credit unions have 4 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: Cedar City
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: 8 banks and credit unions operate 10 locations in Cedar City, according to the FDIC and the NCUA. 10 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
10 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 Cedar City
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: State Bank of Southern Utah has the most locations in Cedar City, with 2. The other 4 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.
Mountain America Credit Union Credit union · 2
Mountain America Credit Union has 2 officees in Cedar City, 78 across Utah. It is based in Sandy, UT and $22.66 billion in assets on March 31, 2026, according to its NCUA call report. 1 of its 2 Cedar City locations with published hours open on Saturday.
Who can join: see the credit union's site.
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0118 Cedar City Royal Hunte Dr1701 W Royal Hunte Dr, 84720
All hours
Mon to Fri 9 am to 6 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
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0078 Cedar City Main St410 N Main St, 84720
All hours
Mon to Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
State Bank of Southern Utah Bank · 2
State Bank of Southern Utah has 2 branches in Cedar City, 17 across Utah and 17 nationwide. FDIC records list its main office in Cedar City, UT and show it operating since 1957. With $2.74 billion in total assets on June 30, 2026, it ranks No. 469 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Cedar City location is its main office at 377 N Main St, dating to 1957; the newest, at 1322 S Interstate Dr, to 2016. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office377 N Main St, 84721
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Cedar City South Interchange Office1322 S Interstate Dr, 84720
America First Credit Union Credit union · 1
America First Credit Union has 1 office in Cedar City, 95 across Utah. It is based in Riverdale, UT and $24.73 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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Cedar City Lin'S150 N Main St, 84720
All hours
Mon to Fri 9 am to 6 pm; Sat 9 am to 5 pm; Sun not published
Hours: NCUA, March 31, 2026
Cache Valley Bank Bank · 1
Cache Valley Bank has 1 branch in Cedar City, 24 across Utah and 25 nationwide. FDIC records list its main office in Logan, UT and show it operating since 1975. With $3.49 billion in total assets on June 30, 2026, it ranks No. 374 of 4,232 U.S. banks by total assets. The Cedar City Branch at 26 North Main Street 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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Cedar City Branch26 North Main Street, 84720
Chartway Credit Union Credit union · 1
Chartway Credit Union has 1 office in Cedar City, 13 across Utah. It is based in Virginia Beach, VA and $3.29 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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Cedar City444 S Main St Ste B2, 84720
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
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Cedar City, 39 across Utah and 2,097 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1863. With $705.55 billion in total assets on June 30, 2026, it ranks No. 6 of 4,232 U.S. banks by total assets. The Cedar City Smiths Branch at 600 S Main St dates to 2004 in FDIC branch records. It opens on Saturday.
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Cedar City Smiths Branch600 S Main St, 84720
All hours
Mon not published; Tue to Fri 10 am to 6 pm; Sat 10 am to 2 pm; Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Cedar City, 71 across Utah 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 South Cedar Citybranch at 797 S Main St dates to 1995 in FDIC branch records. It opens on Saturday.
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South Cedar Citybranch797 S Main St, 84720
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
Zions Bancorporation Bank · 1
Zions Bancorporation has 1 branch in Cedar City, 96 across Utah and 413 nationwide. FDIC records list its main office in Salt Lake City, UT and show it operating since 1873. With $89.04 billion in total assets on June 30, 2026, it ranks No. 35 of 4,232 U.S. banks by total assets. The Cedar City Branch at 3 S Main St dates to 1980 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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Cedar City Branch3 S Main St, 84720
Join a credit union in Cedar City
3 credit unions have 4 offices here: Mountain America Credit Union, America First Credit Union and Chartway 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 Cedar City page has every office in the state's directory.
Banking in Cedar City: the local picture
Short answer: 5 banks run 6 branches in Cedar City 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 5 banks, 1 has its main office in Cedar City, 2 elsewhere in Utah and 2 out of state, according to the FDIC.
The bank with the longest record here is U.S. Bank, operating since 1863 according to the FDIC. In FDIC branch records, the longest-running branch is State Bank of Southern Utah's office at 377 N Main St, dating to 1957; the newest is Cache Valley Bank's at 26 North Main Street, from 2024.
3 credit unions have 4 offices in Cedar City, according to the NCUA. Who can join each one is on the credit unions page.
Of the 6 locations with published hours. 5 open on Saturday. 4 locations have no published hours in these sources.
Banks by ZIP code in Cedar City
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 84720 has the most bank and credit union offices in Cedar City (9), followed by 84721 (1). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 84720 | 9 | 8 | Mountain America Credit Union, America First Credit Union, Cache Valley Bank |
| 84721 | 1 | 1 | State Bank of Southern Utah |
Banks and credit unions open on Saturday in Cedar City
Short answer: 5 of the 6 Cedar City locations with published hours open on Saturday, run by 5 institutions.
- Wells Fargo: 1 of 1 branch (797 S Main St: Saturday 9 am to 2 pm)
- U.S. Bank: 1 of 1 branch (600 S Main St: Saturday 10 am to 2 pm)
- Mountain America Credit Union: 1 of 2 offices (1701 W Royal Hunte Dr: Saturday 9 am to 2 pm)
- America First Credit Union: 1 of 1 office (150 N Main St: Saturday 9 am to 5 pm)
- Chartway Credit Union: 1 of 1 office (444 S Main St Ste B2: 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; 4 of the 10 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 Cedar City, and where the nearest one is if they do not.
Short answer: In Cedar City: Wells Fargo (1), U.S. Bank (1). No branches in Cedar City: Chase (nearest in Washington, 45 mi), Bank of America (nearest in Spanish Fork, 186 mi), PNC Bank, Truist, Fifth Third Bank, Huntington, Regions Bank (nearest in Salt Lake City, 222 mi), TD Bank, BMO (nearest in Riverton, 205 mi).
| Bank | In Cedar City | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| U.S. Bank | 1 branch | here |
| Chase | None | Washington, 45 miles away |
| Bank of America | None | Spanish Fork, 186 miles away |
| PNC Bank | None | none in Utah |
| Truist | None | none in Utah |
| Fifth Third Bank | None | none in Utah |
| Huntington | None | none in Utah |
| Regions Bank | None | Salt Lake City, 222 miles away |
| TD Bank | None | none in Utah |
| BMO | None | Riverton, 205 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Cedar City to the nearest branch in Utah.
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 Cedar City residents like anyone else.
Banks near Cedar City
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Hurricane (36 miles) and Washington (45 miles). Saint George, 48 miles away, has the most banks nearby: 10.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Hurricane, UT | 36 mi | 4 | 4 |
| Banks in Washington, UT | 45 mi | 3 | 3 |
| Banks in Beaver, UT | 48 mi | 2 | 2 |
| Banks in Saint George, UT | 48 mi | 10 | 22 |
| Banks in Kanab, UT | 52 mi | 2 | 2 |
| Banks in Richfield, UT | 92 mi | 3 | 3 |
| Banks in Fillmore, UT | 98 mi | 2 | 2 |
| Banks in Salina, UT | 110 mi | 2 | 2 |
Bank branch openings and closings in Cedar City
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Cedar City 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 Cedar City
Short answer: 1 institution has its main office in Cedar City: State Bank of Southern Utah.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| State Bank of Southern Utah | Bank | $2.74 billion | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Cedar City by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Cedar City offices.
Short answer: Wells Fargo is the largest bank with offices in Cedar City, with $1.91 trillion in total assets on June 30, 2026, No. 4 among U.S. banks by total assets. U.S. Bank is second with $705.55 billion. 1 of the 5 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 |
|---|---|---|---|---|
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| Zions Bancorporation | $89.04 billion | No. 35 | 1 | Salt Lake City, UT |
| Cache Valley Bank | $3.49 billion | No. 374 | 1 | Logan, UT |
| State Bank of Southern Utah | $2.74 billion | No. 469 | 2 | Cedar City, UT |
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 Cedar City: FAQ
How many banks are in Cedar City, UT?
Cedar City has 5 banks with 6 branches and 3 credit unions with 4 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 Cedar City?
State Bank of Southern Utah, with 2. Wells Fargo has 1 and U.S. Bank has 1.
Is there a State Bank of Southern Utah in Cedar City, UT?
Yes. FDIC data lists 2 State Bank of Southern Utah branches in Cedar City as of September 5, 2026, the main office at 377 N Main St. Its branches are listed under State Bank of Southern Utah above, with the address and directions for each.
Is there a Wells Fargo in Cedar City, UT?
Yes. FDIC data lists 1 Wells Fargo branch in Cedar City as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a U.S. Bank in Cedar City, UT?
Yes. FDIC data lists 1 U.S. Bank branch in Cedar City as of September 5, 2026. The address and directions are under U.S. Bank above.
Is there a Chase in Cedar City, UT?
No. FDIC data lists no Chase branch in Cedar City as of September 5, 2026. The nearest is in Washington, about 45 miles away in a straight line.
Which banks in Cedar City are open on Saturday?
Wells Fargo, U.S. Bank, Mountain America Credit Union and America First Credit Union and 1 more publish Saturday hours for one or more Cedar City locations. The Saturday section above lists each one with its hours. 4 of the 10 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Cedar City?
State Bank of Southern Utah has its main office in Cedar City, according to the FDIC.
What is the oldest bank in Cedar City?
U.S. Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1863.
Which credit unions can I join in Cedar City?
Mountain America Credit Union, America First Credit Union and Chartway Credit Union have offices in Cedar City. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Cedar City 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 Cedar City?
Nearby cities with more banks include Hurricane, Washington, Beaver. Hurricane is 36 miles away with 4 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 4 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 6 branches: U.S. 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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