US Bank Directory
Banks in Ephraim, UT
2 FDIC-insured banks operate 2 offices in Ephraim, Utah, and 2 credit unions have 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Ephraim
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 4 banks and credit unions operate 4 locations in Ephraim, according to the FDIC and the NCUA. 4 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
4 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Ephraim
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Zions Bancorporation and Cache Valley Bank have the most locations in Ephraim, with 1 each. 2 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.
Cache Valley Bank Bank · 1
Cache Valley Bank has 1 branch in Ephraim, 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 Ephraim Branch at 2 N Main St dates to 1905 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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Ephraim Branch2 N Main St, 84627
Mountain America Credit Union Credit union · 1
Mountain America Credit Union has 1 office in Ephraim, 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. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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0117 Ephraim Main St620 N Main St, 84627
All hours
Mon to Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Utah Heritage Credit Union Credit union · 1
Utah Heritage Credit Union has 1 office in Ephraim, 5 across Utah. It is based in Moroni, UT and $160.8 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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Ephraim Branch268 S Main St, 84627
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Zions Bancorporation Bank · 1
Zions Bancorporation has 1 branch in Ephraim, 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 Ephraim Office at 10 S Main St dates to 1997 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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Ephraim Office10 S Main St, 84627
Join a credit union in Ephraim
2 credit unions have 2 offices here: Mountain America Credit Union and Utah Heritage 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 Ephraim page has every office in the state's directory.
Banking in Ephraim: the local picture
Short answer: 2 banks run 2 branches in Ephraim 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 2 banks, 0 have their main office in Ephraim, 2 elsewhere in Utah, according to the FDIC.
The bank with the longest record here is Zions Bancorporation, operating since 1873 according to the FDIC. In FDIC branch records, the longest-running branch is Cache Valley Bank's office at 2 N Main St, dating to 1905; the newest is Zions Bancorporation's at 10 S Main St, from 1997.
2 credit unions have 2 offices in Ephraim, according to the NCUA. Who can join each one is on the credit unions page.
Of the 2 locations with published hours. None open on Saturday. 2 locations have no published hours in these sources.
Saturday hours in Ephraim
Short answer: None of the 2 Ephraim locations with published hours lists Saturday hours. 2 locations do not publish hours in these sources; call ahead.
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; 2 of the 4 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Ephraim, and where the nearest one is if they do not.
Short answer: No branches in Ephraim: Chase (nearest in Spanish Fork, 53 mi), Wells Fargo (nearest in Nephi, 28 mi), Bank of America (nearest in Spanish Fork, 53 mi), PNC Bank, U.S. Bank (nearest in Payson, 47 mi), Truist, Fifth Third Bank, Huntington, Regions Bank (nearest in Salt Lake City, 98 mi), TD Bank, BMO (nearest in Riverton, 83 mi).
| Bank | In Ephraim | Nearest branch if none here |
|---|---|---|
| Chase | None | Spanish Fork, 53 miles away |
| Wells Fargo | None | Nephi, 28 miles away |
| Bank of America | None | Spanish Fork, 53 miles away |
| PNC Bank | None | none in Utah |
| U.S. Bank | None | Payson, 47 miles away |
| Truist | None | none in Utah |
| Fifth Third Bank | None | none in Utah |
| Huntington | None | none in Utah |
| Regions Bank | None | Salt Lake City, 98 miles away |
| TD Bank | None | none in Utah |
| BMO | None | Riverton, 83 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Ephraim 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 Ephraim residents like anyone else.
Banks near Ephraim
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Nephi (27 miles) and Salina (31 miles). Spanish Fork, 53 miles away, has the most banks nearby: 8.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Nephi, UT | 27 mi | 3 | 3 |
| Banks in Salina, UT | 31 mi | 2 | 2 |
| Banks in Price, UT | 45 mi | 4 | 4 |
| Banks in Payson, UT | 48 mi | 3 | 3 |
| Banks in Fillmore, UT | 48 mi | 2 | 2 |
| Banks in Salem, UT | 49 mi | 2 | 2 |
| Banks in Richfield, UT | 49 mi | 3 | 3 |
| Banks in Spanish Fork, UT | 53 mi | 8 | 8 |
Bank branch openings and closings in Ephraim
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Ephraim between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Ephraim by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ephraim offices.
Short answer: Zions Bancorporation is the largest bank with offices in Ephraim, with $89.04 billion in total assets on June 30, 2026, No. 35 among U.S. banks by total assets. Cache Valley Bank is second with $3.49 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Zions Bancorporation | $89.04 billion | No. 35 | 1 | Salt Lake City, UT |
| Cache Valley Bank | $3.49 billion | No. 374 | 1 | Logan, 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 Ephraim: FAQ
How many banks are in Ephraim, UT?
Ephraim has 2 banks with 2 branches and 2 credit unions with 2 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 Ephraim?
Zions Bancorporation, with 1. Cache Valley Bank has 1.
Is there a Zions Bancorporation in Ephraim, UT?
Yes. FDIC data lists 1 Zions Bancorporation branch in Ephraim as of September 5, 2026. The address and directions are under Zions Bancorporation above.
Is there a Cache Valley Bank in Ephraim, UT?
Yes. FDIC data lists 1 Cache Valley Bank branch in Ephraim as of September 5, 2026. The address and directions are under Cache Valley Bank above.
Is there a Chase in Ephraim, UT?
No. FDIC data lists no Chase branch in Ephraim as of September 5, 2026. The nearest is in Spanish Fork, about 53 miles away in a straight line.
Which banks in Ephraim are open on Saturday?
None of the 2 locations with published hours lists Saturday hours. 2 locations do not publish hours in our sources; call ahead.
What is the oldest bank in Ephraim?
Zions Bancorporation has the longest record among banks with a branch here: the FDIC shows it operating since 1873.
Which credit unions can I join in Ephraim?
Mountain America Credit Union and Utah Heritage Credit Union have offices in Ephraim. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Ephraim 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 Ephraim?
Nearby cities with more banks include Nephi, Salina, Price. Nephi is 27 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 2 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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