US Bank Directory
Banks in Hardy, VA
5 FDIC-insured banks operate 5 offices in Hardy, Virginia, and 1 credit union has 1 office.
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: Hardy
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 Hardy, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 3 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 Hardy
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 5 banks share the most locations in Hardy, with 1 each. 5 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.
Atlantic Union Bank Bank · 1
Atlantic Union Bank has 1 branch in Hardy, 130 across Virginia and 184 nationwide. FDIC records list its main office in Richmond City, VA and show it operating since 1997. With $38.02 billion in total assets on June 30, 2026, it ranks No. 59 of 4,232 U.S. banks by total assets. The Westlake Branch at 12930 Booker T Washington Hwy dates to 2004 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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Westlake Branch12930 Booker T Washington Hwy, 24101
CNB Bank Bank · 1
CNB Bank has 1 branch in Hardy, 4 across Virginia and 82 nationwide. FDIC records list its main office in Clearfield, PA and show it operating since 1934. With $8.41 billion in total assets on June 30, 2026, it ranks No. 194 of 4,232 U.S. banks by total assets. The Smith Mountain Lake Branch Office at 160 Apron Road dates to 2023 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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Smith Mountain Lake Branch Office160 Apron Road, 24101
First Horizon Bank · 1
First Horizon has 1 branch in Hardy, 8 across Virginia and 416 nationwide. FDIC records list its main office in Memphis, TN and show it operating since 1864. With $84.12 billion in total assets on June 30, 2026, it ranks No. 38 of 4,232 U.S. banks by total assets. The Smith Mountain Lake Branch at 13264 Booker T Washington Hwy dates to 1990 in FDIC branch records. Its published hours do not list Saturday.
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Smith Mountain Lake Branch13264 Booker T Washington Hwy, 24101
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: First Horizon branch locator (All The Places), checked Oct 10, 2026
Pinnacle Bank Bank · 1
Pinnacle Bank has 1 branch in Hardy, 14 across Virginia and 429 nationwide. FDIC records list its main office in Nashville, TN and show it operating since 2000. With $128.79 billion in total assets on June 30, 2026, it ranks No. 28 of 4,232 U.S. banks by total assets. The Hardy Lpo at 12970 Booker T Washington Hwy dates to 2018 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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Hardy Lpo12970 Booker T Washington Hwy, 24101
Truist Bank · 1
Truist has 1 branch in Hardy, 259 across Virginia and 1,931 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1872. With $548.35 billion in total assets on June 30, 2026, it ranks No. 9 of 4,232 U.S. banks by total assets. The Smith Mountain Lake Branch at 37 Village Springs Dr dates to 1998 in FDIC branch records. It opens on Saturday.
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Smith Mountain Lake Branch37 Village Springs Dr, 24101
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
Virginia Credit Union Credit union · 1
Virginia Credit Union has 1 office in Hardy, 44 across Virginia. It is based in Richmond, VA and $7.36 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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Westlake Branch12975 Booker T Washington Hwy, 24101
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
Join a credit union in Hardy
1 credit union has 1 office here: Virginia 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 Hardy page has every office in the state's directory.
Banking in Hardy: the local picture
Short answer: 5 banks run 5 branches in Hardy 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, 0 have their main office in Hardy, 1 elsewhere in Virginia and 4 out of state, according to the FDIC.
The bank with the longest record here is First Horizon, operating since 1864 according to the FDIC. In FDIC branch records, the longest-running branch is First Horizon's office at 13264 Booker T Washington Hwy, dating to 1990; the newest is CNB Bank's at 160 Apron Road, from 2023.
The only credit union with an office here is Virginia Credit Union.
Of the 3 locations with published hours. 1 opens on Saturday. 3 locations have no published hours in these sources.
Banks open on Saturday in Hardy
Short answer: 1 of the 3 Hardy locations with published hours opens on Saturday, run by 1 institution.
- Truist: 1 of 1 branch (37 Village Springs Dr: Saturday 9 am to 12 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; 3 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 Hardy, and where the nearest one is if they do not.
Short answer: In Hardy: Truist (1). No branches in Hardy: Chase (nearest in Charlottesville, 92 mi), Wells Fargo (nearest in Vinton, 15 mi), Bank of America (nearest in Lynchburg, 34 mi), PNC Bank (nearest in Fredericksburg, 143 mi), U.S. Bank, Fifth Third Bank, Huntington, Regions Bank, TD Bank (nearest in Dumfries, 166 mi), BMO.
| Bank | In Hardy | Nearest branch if none here |
|---|---|---|
| Truist | 1 branch | here |
| Chase | None | Charlottesville, 92 miles away |
| Wells Fargo | None | Vinton, 15 miles away |
| Bank of America | None | Lynchburg, 34 miles away |
| PNC Bank | None | Fredericksburg, 143 miles away |
| U.S. Bank | None | none in Virginia |
| Fifth Third Bank | None | none in Virginia |
| Huntington | None | none in Virginia |
| Regions Bank | None | none in Virginia |
| TD Bank | None | Dumfries, 166 miles away |
| BMO | None | none in Virginia |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Hardy 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%.
| 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 Hardy residents like anyone else.
Banks near Hardy
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Moneta (2 miles) and Rocky Mount (12 miles). Roanoke, 17 miles away, has the most banks nearby: 16.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Moneta, VA | 2 mi | 4 | 4 |
| Banks in Rocky Mount, VA | 12 mi | 6 | 7 |
| Banks in Vinton, VA | 14 mi | 8 | 8 |
| Banks in Roanoke, VA | 17 mi | 16 | 50 |
| Banks in Bedford, VA | 19 mi | 7 | 9 |
| Banks in Ferrum, VA | 21 mi | 2 | 2 |
| Banks in Salem, VA | 22 mi | 9 | 10 |
| Banks in Troutville, VA | 22 mi | 2 | 2 |
Bank branch openings and closings in Hardy
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Hardy between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Hardy by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Hardy offices.
Short answer: Truist is the largest bank with offices in Hardy, with $548.35 billion in total assets on June 30, 2026, No. 9 among U.S. banks by total assets. Pinnacle Bank is second with $128.79 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| Pinnacle Bank | $128.79 billion | No. 28 | 1 | Nashville, TN |
| First Horizon | $84.12 billion | No. 38 | 1 | Memphis, TN |
| Atlantic Union Bank | $38.02 billion | No. 59 | 1 | Richmond City, VA |
| CNB Bank | $8.41 billion | No. 194 | 1 | Clearfield, PA |
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 Hardy: FAQ
How many banks are in Hardy, VA?
Hardy has 5 banks with 5 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Hardy?
Truist, with 1. Pinnacle Bank has 1 and First Horizon has 1.
Is there a Truist in Hardy, VA?
Yes. FDIC data lists 1 Truist branch in Hardy as of September 5, 2026. The address and directions are under Truist above.
Is there a Pinnacle Bank in Hardy, VA?
Yes. FDIC data lists 1 Pinnacle Bank branch in Hardy as of September 5, 2026. The address and directions are under Pinnacle Bank above.
Is there a First Horizon in Hardy, VA?
Yes. FDIC data lists 1 First Horizon branch in Hardy as of September 5, 2026. The address and directions are under First Horizon above.
Is there a Chase in Hardy, VA?
No. FDIC data lists no Chase branch in Hardy as of September 5, 2026. The nearest is in Charlottesville, about 92 miles away in a straight line.
Which banks in Hardy are open on Saturday?
Truist publishes Saturday hours for one or more Hardy locations. The Saturday section above lists each one with its hours. 3 of the 6 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Hardy?
First Horizon has the longest record among banks with a branch here: the FDIC shows it operating since 1864.
Which credit unions can I join in Hardy?
Virginia Credit Union has an office in Hardy. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Hardy 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 Hardy?
Nearby cities with more banks include Moneta, Rocky Mount, Vinton. Moneta is 2 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 1 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 5 branches: First Horizon, Truist) | 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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