US Bank Directory
Banks in Winchester, VA
12 FDIC-insured banks operate 28 offices in Winchester, Virginia, and 3 credit unions have 5 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: Winchester
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: 15 banks and credit unions operate 33 locations in Winchester, according to the FDIC and the NCUA. 32 of them have coordinates on record and are on the map. 16 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
32 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 Winchester
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Bank Of Clarke has the most locations in Winchester, with 6. It is followed by United Bank (5), Wells Fargo (3), Truist (3). 6 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.
Bank Of Clarke Bank · 6
Bank Of Clarke has 6 branches in Winchester, 14 across Virginia and 15 nationwide. FDIC records list its main office in Berryville, VA and show it operating since 1881. With $1.85 billion in total assets on June 30, 2026, it ranks No. 641 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Winchester location is the Pleasant Valley Branch at 2555 S Pleasant Valley Rd, dating to 1992; the newest, at 110 Crock Wells Mill Dr, to 2006. It does not publish hours in the sources this page uses; check its site before you go.
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Route 50 West Branch110 Crock Wells Mill Dr, 22603
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Sunnyside Branch1460 N Frederick Pike, 22603
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Senseny Road Branch1508 Senseny Rd, 22602
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Millbrook Branch1879 Berryville Pike, 22603
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Old Town Center202 N Loudoun St, 22601
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Pleasant Valley Branch2555 S Pleasant Valley Rd, 22601
United Bank Bank · 5
United Bank has 5 branches in Winchester, 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. In FDIC branch records, its longest-running Winchester location is the North Winchester Branch at 1447 N Frederick Pike, dating to 1997; the newest, at 4095 Valley Pike, to 2007. 2 of its 4 Winchester locations with published hours open on Saturday.
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Downtown Winchester Branch139 N Cameron St, 22601
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: United Bank branch locator (All The Places), checked Oct 10, 2026
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North Winchester Branch1447 N Frederick Pike, 22603
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: United Bank branch locator (All The Places), checked Oct 10, 2026
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522 South Branch199 Front Royal Pike, 22602
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: United Bank branch locator (All The Places), checked Oct 10, 2026
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Route 50 West Branch2051 Northwestern Pike, 22603
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
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Kernstown Branch4095 Valley Pike, 22602
Farmers & Merchants Bank Bank · 3
Farmers & Merchants Bank has 3 branches in Winchester, 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. In FDIC branch records, its longest-running Winchester location is the Winchester Branch at 45 E Boscawen St, dating to 2021; the newest, at 1738 Amherst St, to 2023. It does not publish hours in the sources this page uses; check its site before you go.
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Amherst Branch1738 Amherst St, 22601
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Winchester Downtown Branch3 S Cameron St, 22601
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Winchester Branch45 E Boscawen St, 22601
Truist Bank · 3
Truist has 3 branches in Winchester, 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. In FDIC branch records, its longest-running Winchester location is the Winchester Downtown Branch at 115 N Cameron St, dating to 1902; the newest, at 2250 S Pleasant Valley Rd, to 2001. 2 of its 3 Winchester locations with published hours open on Saturday.
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Winchester Downtown Branch115 N Cameron St, 22601
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
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Amherst Street Branch1800 Amherst St, 22601
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
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Pleasant Valley Branch2250 S Pleasant Valley Rd, 22601
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
Wells Fargo Bank · 3
Wells Fargo has 3 branches in Winchester, 179 across Virginia 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. In FDIC branch records, its longest-running Winchester location is the Winchester Gateway Branch at 121 Gateway Dr, dating to 1957; the newest, at 2490 Valley Ave, to 1984. 2 of its 3 Winchester locations with published hours open on Saturday.
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Rivendell Court Branch110 Rivendell Ct, 22603
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
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Winchester Gateway Branch121 Gateway Dr, 22603
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
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Hope Drive Branch2490 Valley Ave, 22601
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
First Bank Bank · 2
First Bank has 2 branches in Winchester, 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. In FDIC branch records, its longest-running Winchester location is the Winchester Financial Center Branch at 1835 Valley Ave, dating to 1985; the newest, at 208 Crock Wells Mill Dr, to 2006. It does not publish hours in the sources this page uses; check its site before you go.
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Winchester Financial Center Branch1835 Valley Ave, 22601
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Winchester West Financial Center Branch208 Crock Wells Mill Dr, 22603
Midway Credit Union Credit union · 2
Midway Credit Union has 2 officees in Winchester, 2 across Virginia. It is based in Berryville, VA and $10.0 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Winchester locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office158 Front Royal Pike Ste 101, 22602
All hours
Mon to Tue 9 am to 1 pm; Wed not published; Thu to Fri 9 am to 1 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Npsc430 Market St, 22603
All hours
Mon 8 am to 12 pm; Tue to Wed not published; Thu 11 am to 2 pm; Fri to Sun not published
Hours: NCUA, March 31, 2026
Navy Federal Credit Union Credit union · 2
Navy Federal Credit Union has 2 officees in Winchester, 66 across Virginia. It is based in Vienna, VA and $203.56 billion in assets on March 31, 2026, according to its NCUA call report. All 2 of its Winchester locations with published hours open on Saturday.
Who can join: see the credit union's site.
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South Winchester Va195 Crossover Blvd Bldg 39, 22601
All hours
Mon to Fri 12 am to 5 pm; Sat 12 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
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North Winchester Va828 Berryville Ave, 22601
All hours
Mon 9 am to 5 pm; Tue to Fri not published; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Apple Credit Union Credit union · 1
Apple Credit Union has 1 office in Winchester, 24 across Virginia. It is based in Fairfax, VA and $5.62 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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Winchester Branch1850 S Loudoun St, 22601
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Burke & Herbert Bank Bank · 1
Burke & Herbert Bank has 1 branch in Winchester, 40 across Virginia and 106 nationwide. FDIC records list its main office in Alexandria, VA and show it operating since 1852. With $10.98 billion in total assets on June 30, 2026, it ranks No. 151 of 4,232 U.S. banks by total assets. The Jubal Early Branch at 100 W Jubal Early Dr dates to 1999 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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Jubal Early Branch100 W Jubal Early Dr, 22601
Capon Valley Bank Bank · 1
Capon Valley Bank has 1 branch in Winchester, 3 across Virginia and 6 nationwide. FDIC records list its main office in Wardensville, WV and show it operating since 1918. With $244.2 million in total assets on June 30, 2026, it ranks No. 2,758 of 4,232 U.S. banks by total assets. The North Winchester Branch at 241 Ezra Ln 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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North Winchester Branch241 Ezra Ln, 22603
City National Bank of West Virginia Bank · 1
City National Bank of West Virginia has 1 branch in Winchester, 13 across Virginia and 97 nationwide. FDIC records list its main office in Charleston, WV and show it operating since 1957. With $6.76 billion in total assets on June 30, 2026, it ranks No. 229 of 4,232 U.S. banks by total assets. The Winchester Branch at 1830 Valley Ave 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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Winchester Branch1830 Valley Ave, 22601
First Citizens Bank Bank · 1
First Citizens Bank has 1 branch in Winchester, 36 across Virginia and 518 nationwide. FDIC records list its main office in Raleigh, NC and show it operating since 1898. With $236.32 billion in total assets on June 30, 2026, it ranks No. 19 of 4,232 U.S. banks by total assets. The 2800 Valley Ave Branch at 2147 Valley Ave dates to 1964 in FDIC branch records. Its published hours do not list Saturday.
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2800 Valley Ave Branch2147 Valley Ave, 22601
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: First Citizens Bank branch locator (All The Places), checked Oct 10, 2026
The First Bank Bank · 1
The First Bank has 1 branch in Winchester, 24 across Virginia and 35 nationwide. FDIC records list its main office in Lebanon, VA and show it operating since 1979. With $4.28 billion in total assets on June 30, 2026, it ranks No. 323 of 4,232 U.S. banks by total assets. The Winchester Office Branch at 116 S Stewart St dates to 2015 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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Winchester Office Branch116 S Stewart St, 22601
Virginia National Bank Bank · 1
Virginia National Bank has 1 branch in Winchester, 16 across Virginia and 16 nationwide. FDIC records list its main office in Charlottesville, VA and show it operating since 1998. With $1.64 billion in total assets on June 30, 2026, it ranks No. 689 of 4,232 U.S. banks by total assets. The Creekside Office at 3119 Valley Ave dates to 2003 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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Creekside Office3119 Valley Ave, 22601
Join a credit union in Winchester
3 credit unions have 5 offices here: Navy Federal Credit Union, Midway Credit Union and Apple 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 Winchester page has every office in the state's directory.
Banking in Winchester: the local picture
Short answer: 12 banks run 28 branches in Winchester 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 12 banks, 0 have their main office in Winchester, 7 elsewhere in Virginia and 5 out of state, according to the FDIC.
The bank with the longest record here is Burke & Herbert Bank, operating since 1852 according to the FDIC. In FDIC branch records, the longest-running branch is Truist's office at 115 N Cameron St, dating to 1902; the newest is Capon Valley Bank's at 241 Ezra Ln, from 2026.
3 credit unions have 5 offices in Winchester, according to the NCUA. Who can join each one is on the credit unions page.
Of the 16 locations with published hours. 9 open on Saturday. 17 locations have no published hours in these sources.
Banks by ZIP code in Winchester
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 22601 has the most bank and credit union offices in Winchester (19), followed by 22603 (10) and 22602 (4). Offices are spread across 3 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 22601 | 19 | 13 | Farmers & Merchants Bank, Truist, Bank Of Clarke |
| 22603 | 10 | 6 | Bank Of Clarke, United Bank, Wells Fargo |
| 22602 | 4 | 3 | United Bank, Bank Of Clarke, Midway Credit Union |
Banks and credit unions open on Saturday in Winchester
Short answer: 9 of the 16 Winchester locations with published hours open on Saturday, run by 5 institutions.
- United Bank: 2 of 5 branches (1447 N Frederick Pike: Saturday 9 am to 12 pm, and 1 more)
- Wells Fargo: 2 of 3 branches (121 Gateway Dr: Saturday 9 am to 2 pm, and 1 more)
- Truist: 2 of 3 branches (1800 Amherst St: Saturday 9 am to 12 pm, and 1 more)
- Navy Federal Credit Union: 2 of 2 offices (195 Crossover Blvd Bldg 39: Saturday 12 am to 2 pm, and 1 more)
- Apple Credit Union: 1 of 1 office (1850 S Loudoun St: 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; 17 of the 33 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 Winchester, and where the nearest one is if they do not.
Short answer: In Winchester: Wells Fargo (3), Truist (3). No branches in Winchester: Chase (nearest in Purcellville, 25 mi), Bank of America (nearest in Purcellville, 26 mi), PNC Bank (nearest in Leesburg, 33 mi), U.S. Bank, Fifth Third Bank, Huntington, Regions Bank, TD Bank (nearest in Leesburg, 34 mi), BMO.
| Bank | In Winchester | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 3 branches | here |
| Truist | 3 branches | here |
| Chase | None | Purcellville, 25 miles away |
| Bank of America | None | Purcellville, 26 miles away |
| PNC Bank | None | Leesburg, 33 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 | Leesburg, 34 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 Winchester 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 Winchester residents like anyone else.
Banks near Winchester
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Stephens City (7 miles) and Berryville (10 miles). Purcellville, 25 miles away, has the most banks nearby: 8.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Stephens City, VA | 7 mi | 6 | 6 |
| Banks in Berryville, VA | 10 mi | 2 | 2 |
| Banks in Strasburg, VA | 16 mi | 3 | 3 |
| Banks in Front Royal, VA | 17 mi | 7 | 10 |
| Banks in Purcellville, VA | 25 mi | 8 | 8 |
| Banks in Middleburg, VA | 28 mi | 5 | 5 |
| Banks in Woodstock, VA | 28 mi | 6 | 7 |
| Banks in Marshall, VA | 28 mi | 2 | 2 |
Bank branch openings and closings in Winchester
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 1 branch opening in Winchester between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Jun 10, 2026 | Opened | Capon Valley Bank | 241 Ezra Ln, 22603 |
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.
Largest banks in Winchester by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Winchester offices.
Short answer: Wells Fargo is the largest bank with offices in Winchester, with $1.91 trillion in total assets on June 30, 2026, No. 4 among U.S. banks by total assets. Truist is second with $548.35 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 | 3 | Sioux Falls, SD |
| Truist | $548.35 billion | No. 9 | 3 | Charlotte, NC |
| First Citizens Bank | $236.32 billion | No. 19 | 1 | Raleigh, NC |
| United Bank | $33.64 billion | No. 65 | 5 | Fairfax, VA |
| Burke & Herbert Bank | $10.98 billion | No. 151 | 1 | Alexandria, VA |
| City National Bank of West Virginia | $6.76 billion | No. 229 | 1 | Charleston, WV |
| The First Bank | $4.28 billion | No. 323 | 1 | Lebanon, VA |
| First Bank | $2.07 billion | No. 589 | 2 | Strasburg, VA |
| Bank Of Clarke | $1.85 billion | No. 641 | 6 | Berryville, VA |
| Virginia National Bank | $1.64 billion | No. 689 | 1 | Charlottesville, VA |
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 Winchester: FAQ
How many banks are in Winchester, VA?
Winchester has 12 banks with 28 branches and 3 credit unions with 5 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 Winchester?
Bank Of Clarke, with 6. United Bank has 5 and Wells Fargo has 3.
Is there a Bank Of Clarke in Winchester, VA?
Yes. FDIC data lists 6 Bank Of Clarke branches in Winchester as of September 5, 2026. Its branches are listed under Bank Of Clarke above, with the address and directions for each.
Is there a United Bank in Winchester, VA?
Yes. FDIC data lists 5 United Bank branches in Winchester as of September 5, 2026. Its branches are listed under United Bank above, with the address and directions for each.
Is there a Wells Fargo in Winchester, VA?
Yes. FDIC data lists 3 Wells Fargo branches in Winchester as of September 5, 2026. Its branches are listed under Wells Fargo above, with the address and directions for each.
Is there a Chase in Winchester, VA?
No. FDIC data lists no Chase branch in Winchester as of September 5, 2026. The nearest is in Purcellville, about 25 miles away in a straight line.
Which banks in Winchester are open on Saturday?
United Bank, Wells Fargo, Truist and Navy Federal Credit Union and 1 more publish Saturday hours for one or more Winchester locations. The Saturday section above lists each one with its hours. 17 of the 33 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Winchester?
Burke & Herbert Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1852.
Which credit unions can I join in Winchester?
Navy Federal Credit Union, Midway Credit Union and Apple Credit Union have offices in Winchester. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Winchester 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 Winchester?
Nearby cities with more banks include Stephens City, Berryville, Strasburg. Stephens City is 7 miles away with 6 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 (11 of 28 branches: First Citizens Bank, Truist, United 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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