US Bank Directory
Banks in Ephrata, WA
5 FDIC-insured banks operate 5 offices in Ephrata, Washington, and 2 credit unions have 2 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: Ephrata
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: 7 banks and credit unions operate 7 locations in Ephrata, according to the FDIC and the NCUA. 7 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
7 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 Ephrata
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 Ephrata, 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.
Banner Bank Bank · 1
Banner Bank has 1 branch in Ephrata, 69 across Washington and 147 nationwide. FDIC records list its main office in Walla Walla, WA and show it operating since 1890. With $16.59 billion in total assets on June 30, 2026, it ranks No. 120 of 4,232 U.S. banks by total assets. The Ephrata Financial Center at 447 Basin St Sw dates to 1989 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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Ephrata Financial Center447 Basin St Sw, 98823
Chase Bank · 1
Chase has 1 branch in Ephrata, 149 across Washington and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. The Ephrata Branch at 109 W Division Ave dates to 1976 in FDIC branch records. Its published hours do not list Saturday.
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Ephrata Branch109 W Division Ave, 98823
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
First Interstate Bank Bank · 1
First Interstate Bank has 1 branch in Ephrata, 17 across Washington and 274 nationwide. FDIC records list its main office in Billings, MT and show it operating since 1916. With $25.79 billion in total assets on June 30, 2026, it ranks No. 83 of 4,232 U.S. banks by total assets. The Ephrata Branch at 66 Basin St Sw dates to 2017 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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Ephrata Branch66 Basin St Sw, 98823
Granco Credit Union Credit union · 1
Granco Credit Union has 1 office in Ephrata, 2 across Washington. It is based in Ephrata, WA and $98.3 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 office217 Alder St Sw, 98823
All hours
Mon to Fri 9:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Horizon Credit Union Credit union · 1
Horizon Credit Union has 1 office in Ephrata, 11 across Washington. It is based in Spokane Valley, WA and $2.00 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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Ephrata Branch260 C St Sw, 98823
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Ephrata, 136 across Washington and 2,097 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1863. With $705.55 billion in total assets on June 30, 2026, it ranks No. 6 of 4,232 U.S. banks by total assets. The Ephrata Branch at 121 Basin St Nw dates to 1954 in FDIC branch records. Its published hours do not list Saturday.
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Ephrata Branch121 Basin St Nw, 98823
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Washington Trust Bank Bank · 1
Washington Trust Bank has 1 branch in Ephrata, 31 across Washington and 45 nationwide. FDIC records list its main office in Spokane, WA and show it operating since 1902. With $10.54 billion in total assets on June 30, 2026, it ranks No. 153 of 4,232 U.S. banks by total assets. The Ephrata Branch at 261 Basin St Sw dates to 1967 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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Ephrata Branch261 Basin St Sw, 98823
Join a credit union in Ephrata
2 credit unions have 2 offices here: Horizon Credit Union and Granco 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 Ephrata page has every office in the state's directory.
Banking in Ephrata: the local picture
Short answer: 5 banks run 5 branches in Ephrata 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 Ephrata, 2 elsewhere in Washington and 3 out of state, according to the FDIC.
The bank with the longest record here is Chase, operating since 1824 according to the FDIC. In FDIC branch records, the longest-running branch is U.S. Bank's office at 121 Basin St Nw, dating to 1954; the newest is First Interstate Bank's at 66 Basin St Sw, from 2017.
2 credit unions have 2 offices in Ephrata, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. None open on Saturday. 3 locations have no published hours in these sources.
Saturday hours in Ephrata
Short answer: None of the 4 Ephrata locations with published hours lists Saturday hours. 3 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; 3 of the 7 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 Ephrata, and where the nearest one is if they do not.
Short answer: In Ephrata: Chase (1), U.S. Bank (1). No branches in Ephrata: Wells Fargo (nearest in Wenatchee, 37 mi), Bank of America (nearest in Richland, 73 mi), PNC Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in Ellensburg, 52 mi).
| Bank | In Ephrata | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| U.S. Bank | 1 branch | here |
| Wells Fargo | None | Wenatchee, 37 miles away |
| Bank of America | None | Richland, 73 miles away |
| PNC Bank | None | none in Washington |
| Truist | None | none in Washington |
| Fifth Third Bank | None | none in Washington |
| Huntington | None | none in Washington |
| Regions Bank | None | none in Washington |
| TD Bank | None | none in Washington |
| BMO | None | Ellensburg, 52 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Ephrata to the nearest branch in Washington.
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 Ephrata residents like anyone else.
Banks near Ephrata
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Quincy (15 miles) and Moses Lake (19 miles). Wenatchee, 37 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Quincy, WA | 15 mi | 4 | 4 |
| Banks in Moses Lake, WA | 19 mi | 8 | 8 |
| Banks in Waterville, WA | 33 mi | 2 | 2 |
| Banks in East Wenatchee, WA | 35 mi | 6 | 6 |
| Banks in Wenatchee, WA | 37 mi | 9 | 16 |
| Banks in Othello, WA | 39 mi | 2 | 3 |
| Banks in Odessa, WA | 40 mi | 2 | 2 |
| Banks in Chelan, WA | 42 mi | 5 | 5 |
Bank branch openings and closings in Ephrata
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Ephrata between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Ephrata
Short answer: 1 institution has its main office in Ephrata: Granco Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Granco Credit Union | Credit union | $98.3 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Ephrata by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ephrata offices.
Short answer: Chase is the largest bank with offices in Ephrata, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. U.S. Bank is second with $705.55 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 1 | Columbus, OH |
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| First Interstate Bank | $25.79 billion | No. 83 | 1 | Billings, MT |
| Banner Bank | $16.59 billion | No. 120 | 1 | Walla Walla, WA |
| Washington Trust Bank | $10.54 billion | No. 153 | 1 | Spokane, WA |
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 Ephrata: FAQ
How many banks are in Ephrata, WA?
Ephrata has 5 banks with 5 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 Ephrata?
Chase, with 1. U.S. Bank has 1 and First Interstate Bank has 1.
Is there a Chase in Ephrata, WA?
Yes. FDIC data lists 1 Chase branch in Ephrata as of September 5, 2026. The address and directions are under Chase above.
Is there a U.S. Bank in Ephrata, WA?
Yes. FDIC data lists 1 U.S. Bank branch in Ephrata as of September 5, 2026. The address and directions are under U.S. Bank above.
Is there a First Interstate Bank in Ephrata, WA?
Yes. FDIC data lists 1 First Interstate Bank branch in Ephrata as of September 5, 2026. The address and directions are under First Interstate Bank above.
Is there a Wells Fargo in Ephrata, WA?
No. FDIC data lists no Wells Fargo branch in Ephrata as of September 5, 2026. The nearest is in Wenatchee, about 37 miles away in a straight line.
Which banks in Ephrata are open on Saturday?
None of the 4 locations with published hours lists Saturday hours. 3 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Ephrata?
Granco Credit Union has its main office in Ephrata, according to the FDIC and the NCUA.
What is the oldest bank in Ephrata?
Chase has the longest record among banks with a branch here: the FDIC shows it operating since 1824.
Which credit unions can I join in Ephrata?
Horizon Credit Union and Granco Credit Union have offices in Ephrata. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Ephrata 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 Ephrata?
Nearby cities with more banks include Quincy, Moses Lake, Waterville. Quincy is 15 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 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 |
| Bank branch hours, phones and branch pages (2 of 5 branches: Chase, U.S. Bank) | 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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