Banks in Elkton, VA

Bank branch map: Elkton

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 Elkton, according to the FDIC and the NCUA. 4 of them have coordinates on record and are on the map. 2 publish opening hours.

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 Elkton

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: United Bank, First Bank and Farmers & Merchants Bank have the most locations in Elkton, 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.

Farmers & Merchants Bank 1 branch · main office Timberville, VA Bank · 1

Farmers & Merchants Bank has 1 branch in Elkton, 16 across Virginia and 16 nationwide. FDIC records list its main office in Timberville, VA and show it operating since 1908. With $1.40 billion in total assets on June 30, 2026, it ranks No. 790 of 4,232 U.S. banks by total assets. The Elkton Branch at 127 Rockingham Street dates to 1973 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Elkton Branch

  127 Rockingham Street, 22827

  Hours: see the bank's site
  DirectionsWebsite

Farmers & Merchants Bank: profile, branches and contacts

First Bank 1 branch · main office Strasburg, VA Bank · 1

First Bank has 1 branch in Elkton, 31 across Virginia and 33 nationwide. FDIC records list its main office in Strasburg, VA and show it operating since 1907. With $2.07 billion in total assets on June 30, 2026, it ranks No. 589 of 4,232 U.S. banks by total assets. The Elkton Branch at 301 W Spotswood Trl dates to 1947 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Elkton Branch

  301 W Spotswood Trl, 22827

  Hours: see the bank's site
  DirectionsWebsite

First Bank: profile, branches and contacts

Merck Employees Credit Union 1 office · main office Rahway, NJ Credit union · 1

Merck Employees Credit Union has 1 office in Elkton, 1 across Virginia. It is based in Rahway, NJ and $1.71 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.

• Elkton

  2778 S East Side Hwy, 22827

  (540) 298-4880Today 9 am to 4 pm

  All hours

  Mon to Fri 9 am to 4 pm; Sat to Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Merck Employees Credit Union: profile, branches and contacts

United Bank 1 branch · main office Fairfax, VA Bank · 1

United Bank has 1 branch in Elkton, 81 across Virginia and 237 nationwide. FDIC records list its main office in Fairfax, VA and show it operating since 1979. With $33.64 billion in total assets on June 30, 2026, it ranks No. 65 of 4,232 U.S. banks by total assets. The Elkton Branch at 410 W Spotswood Trl dates to 1996 in FDIC branch records. Its published hours do not list Saturday.

• Elkton Branch

  410 W Spotswood Trl, 22827

  (540) 298-9293Today 9 am to 4 pm

  All hours

  Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun not published

  Hours: United Bank branch locator (All The Places), checked Oct 10, 2026

  DirectionsBranch page

United Bank: profile, branches and contacts

Join a credit union in Elkton

1 credit union has 1 office here: Merck 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 Elkton page has every office in the state's directory.

Banking in Elkton: the local picture

Short answer: 3 banks run 3 branches in Elkton 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 Elkton, 3 elsewhere in Virginia, according to the FDIC.

The bank with the longest record here is First Bank, operating since 1907 according to the FDIC. In FDIC branch records, the longest-running branch is First Bank's office at 301 W Spotswood Trl, dating to 1947; the newest is United Bank's at 410 W Spotswood Trl, from 1996.

The only credit union with an office here is Merck Employees Credit Union.

Of the 2 locations with published hours. None open on Saturday. 2 locations have no published hours in these sources.

Saturday hours in Elkton

Short answer: None of the 2 Elkton 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 Elkton, and where the nearest one is if they do not.

Short answer: No branches in Elkton: Chase (nearest in Charlottesville, 24 mi), Wells Fargo (nearest in Harrisonburg, 12 mi), Bank of America (nearest in Harrisonburg, 12 mi), PNC Bank (nearest in Warrenton, 50 mi), U.S. Bank, Truist (nearest in Harrisonburg, 12 mi), Fifth Third Bank, Huntington, Regions Bank, TD Bank (nearest in Manassas, 66 mi), BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Elkton to the nearest branch in Virginia.

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%.

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 Elkton residents like anyone else.

Banks near Elkton

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Shenandoah (5 miles) and Harrisonburg (13 miles). Harrisonburg, 13 miles away, has the most banks nearby: 14.

Bank branch openings and closings in Elkton

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Elkton between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Elkton by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Elkton offices.

Short answer: United Bank is the largest bank with offices in Elkton, with $33.64 billion in total assets on June 30, 2026, No. 65 among U.S. banks by total assets. First Bank is second with $2.07 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

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 Elkton: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.