US Bank Directory
Banks in Nephi, UT
3 FDIC-insured banks operate 3 offices in Nephi, Utah, 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: Nephi
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: 6 banks and credit unions operate 6 locations in Nephi, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
6 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 Nephi
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Wells Fargo, Cache Valley Bank and Central Bank have the most locations in Nephi, with 1 each. 3 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.
America First Credit Union Credit union · 1
America First Credit Union has 1 office in Nephi, 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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Nephi Nebo Market965 N Main St, 84648
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 Nephi, 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 Nephi Branch at 185 N Main St dates to 1998 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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Nephi Branch185 N Main St, 84648
Central Bank Bank · 1
Central Bank has 1 branch in Nephi, 13 across Utah and 13 nationwide. FDIC records list its main office in Provo, UT and show it operating since 1891. With $2.16 billion in total assets on June 30, 2026, it ranks No. 574 of 4,232 U.S. banks by total assets. The Nephi Branch at 1508 S Main St dates to 2026 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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Nephi Branch1508 S Main St, 84648
Nephi Western Employees Credit Union Credit union · 1
Nephi Western Employees Credit Union has 1 office in Nephi, 1 across Utah. It is based in Nephi, UT and $46.1 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 office155 N Main St, 84648
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Utah Community Credit Union Credit union · 1
Utah Community Credit Union has 1 office in Nephi, 26 across Utah. It is based in Provo, UT and $3.86 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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Nephi119 N Main St, 84648
All hours
Mon to Fri 8:30 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Nephi, 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 Nephi Branch at 3 N Main St dates to 1948 in FDIC branch records. Its published hours do not list Saturday.
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Nephi Branch3 N Main St, 84648
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Nephi
3 credit unions have 3 offices here: America First Credit Union, Utah Community Credit Union and Nephi Western Employees 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 Nephi page has every office in the state's directory.
Banking in Nephi: the local picture
Short answer: 3 banks run 3 branches in Nephi 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 3 banks, 0 have their main office in Nephi, 2 elsewhere in Utah and 1 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 Wells Fargo's office at 3 N Main St, dating to 1948; the newest is Central Bank's at 1508 S Main St, from 2026.
3 credit unions have 3 offices in Nephi, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. 1 opens on Saturday. 2 locations have no published hours in these sources.
Credit unions open on Saturday in Nephi
Short answer: 1 of the 4 Nephi locations with published hours opens on Saturday, run by 1 institution.
- America First Credit Union: 1 of 1 office (965 N Main St: Saturday 9 am to 5 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; 2 of the 6 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 Nephi, and where the nearest one is if they do not.
Short answer: In Nephi: Wells Fargo (1). No branches in Nephi: Chase (nearest in Spanish Fork, 31 mi), Bank of America (nearest in Spanish Fork, 31 mi), PNC Bank, U.S. Bank (nearest in Payson, 24 mi), Truist, Fifth Third Bank, Huntington, Regions Bank (nearest in Salt Lake City, 73 mi), TD Bank, BMO (nearest in Riverton, 57 mi).
| Bank | In Nephi | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| Chase | None | Spanish Fork, 31 miles away |
| Bank of America | None | Spanish Fork, 31 miles away |
| PNC Bank | None | none in Utah |
| U.S. Bank | None | Payson, 24 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, 73 miles away |
| TD Bank | None | none in Utah |
| BMO | None | Riverton, 57 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Nephi 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 Nephi residents like anyone else.
Banks near Nephi
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Payson (24 miles) and Salem (26 miles). Provo, 39 miles away, has the most banks nearby: 12.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Payson, UT | 24 mi | 3 | 3 |
| Banks in Salem, UT | 26 mi | 2 | 2 |
| Banks in Ephraim, UT | 27 mi | 2 | 2 |
| Banks in Spanish Fork, UT | 30 mi | 8 | 8 |
| Banks in Springville, UT | 34 mi | 3 | 3 |
| Banks in Provo, UT | 39 mi | 12 | 19 |
| Banks in Orem, UT | 41 mi | 11 | 14 |
| Banks in Lindon, UT | 45 mi | 5 | 5 |
Bank branch openings and closings in Nephi
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 1 branch opening in Nephi between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Apr 16, 2026 | Opened | Central Bank | 1508 S Main St, 84648 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Banks and credit unions based in Nephi
Short answer: 1 institution has its main office in Nephi: Nephi Western Employees Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Nephi Western Employees Credit Union | Credit union | $46.1 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Nephi by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Nephi offices.
Short answer: Wells Fargo is the largest bank with offices in Nephi, with $1.91 trillion in total assets on June 30, 2026, No. 4 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 |
|---|---|---|---|---|
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| Cache Valley Bank | $3.49 billion | No. 374 | 1 | Logan, UT |
| Central Bank | $2.16 billion | No. 574 | 1 | Provo, 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 Nephi: FAQ
How many banks are in Nephi, UT?
Nephi has 3 banks with 3 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 Nephi?
Wells Fargo, with 1. Cache Valley Bank has 1 and Central Bank has 1.
Is there a Wells Fargo in Nephi, UT?
Yes. FDIC data lists 1 Wells Fargo branch in Nephi as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a Cache Valley Bank in Nephi, UT?
Yes. FDIC data lists 1 Cache Valley Bank branch in Nephi as of September 5, 2026. The address and directions are under Cache Valley Bank above.
Is there a Central Bank in Nephi, UT?
Yes. FDIC data lists 1 Central Bank branch in Nephi as of September 5, 2026. The address and directions are under Central Bank above.
Is there a Chase in Nephi, UT?
No. FDIC data lists no Chase branch in Nephi as of September 5, 2026. The nearest is in Spanish Fork, about 31 miles away in a straight line.
Which banks in Nephi are open on Saturday?
America First Credit Union publishes Saturday hours for one or more Nephi locations. The Saturday section above lists each one with its hours. 2 of the 6 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Nephi?
Nephi Western Employees Credit Union has its main office in Nephi, according to the FDIC and the NCUA.
What is the oldest bank in Nephi?
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 Nephi?
America First Credit Union, Utah Community Credit Union and Nephi Western Employees Credit Union have offices in Nephi. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Nephi in the past year?
FDIC branch records show 1 branch opening 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 Nephi?
Nearby cities with more banks include Payson, Salem, Ephraim. Payson is 24 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 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 3 branches: 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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