US Bank Directory
Banks in Mountlake Terrace, WA
3 FDIC-insured banks operate 3 offices in Mountlake Terrace, Washington.
Source: FDIC BankFind, data as of September 5, 2026.
Bank branch map: Mountlake Terrace
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: 3 banks and credit unions operate 3 locations in Mountlake Terrace, according to the FDIC. 3 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.
Branches: FDIC, NCUA. Streets: loading.
3 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 in Mountlake Terrace
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Mechanics Bank, 1st Security Bank of Washington and Sound Community Bank have the most locations in Mountlake Terrace, 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.
1st Security Bank of Washington Bank · 1
1st Security Bank of Washington has 1 branch in Mountlake Terrace, 26 across Washington and 31 nationwide. FDIC records list its main office in Mountlake Terrace, WA and show it operating since 2004. With $3.18 billion in total assets on June 30, 2026, it ranks No. 408 of 4,232 U.S. banks by total assets. Its main office at 6920 220th St Sw 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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Main Office main office6920 220th St Sw, 98043
Mechanics Bank Bank · 1
Mechanics Bank has 1 branch in Mountlake Terrace, 28 across Washington and 169 nationwide. FDIC records list its main office in Walnut Creek, CA and show it operating since 1905. With $21.25 billion in total assets on June 30, 2026, it ranks No. 102 of 4,232 U.S. banks by total assets. The Mountlake Terrace Branch at 22001 66th Ave W 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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Mountlake Terrace Branch22001 66th Ave W, 98043
Sound Community Bank Bank · 1
Sound Community Bank has 1 branch in Mountlake Terrace, 9 across Washington and 9 nationwide. FDIC records list its main office in Seattle, WA and show it operating since 1953. With $1.07 billion in total assets on June 30, 2026, it ranks No. 991 of 4,232 U.S. banks by total assets. The Cedar Plaza at 22807 44th Ave W dates to 2005 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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Cedar Plaza22807 44th Ave W, 98043
Banking in Mountlake Terrace: the local picture
Short answer: 3 banks run 3 branches in Mountlake Terrace 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, 1 has its main office in Mountlake Terrace, 1 elsewhere in Washington and 1 out of state, according to the FDIC.
The bank with the longest record here is Mechanics Bank, operating since 1905 according to the FDIC. In FDIC branch records, the longest-running branch is Mechanics Bank's office at 22001 66th Ave W, dating to 1989; the newest is Sound Community Bank's at 22807 44th Ave W, from 2005.
None of the 3 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.
Chase, Bank of America and other national banks
Which big national banks have branches in Mountlake Terrace, and where the nearest one is if they do not.
Short answer: No branches in Mountlake Terrace: Chase (nearest in Edmonds, 2 mi), Wells Fargo (nearest in Shoreline, 1 mi), Bank of America (nearest in Lynnwood, 2 mi), PNC Bank, U.S. Bank (nearest in Lynnwood, 1 mi), Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in Seattle, 13 mi).
| Bank | In Mountlake Terrace | Nearest branch if none here |
|---|---|---|
| Chase | None | Edmonds, 2 miles away |
| Wells Fargo | None | Shoreline, 1 mile away |
| Bank of America | None | Lynnwood, 2 miles away |
| PNC Bank | None | none in Washington |
| U.S. Bank | None | Lynnwood, 1 mile away |
| 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 | Seattle, 13 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Mountlake Terrace 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 Mountlake Terrace residents like anyone else.
Banks near Mountlake Terrace
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Shoreline (3 miles) and Lynnwood (3 miles). Lynnwood, 3 miles away, has the most banks nearby: 16.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Shoreline, WA | 3 mi | 6 | 7 |
| Banks in Lynnwood, WA | 3 mi | 16 | 25 |
| Banks in Edmonds, WA | 3 mi | 11 | 12 |
| Banks in Kenmore, WA | 4 mi | 5 | 5 |
| Banks in Bothell, WA | 5 mi | 7 | 9 |
| Banks in Mill Creek, WA | 6 mi | 9 | 9 |
| Banks in Mukilteo, WA | 7 mi | 5 | 5 |
| Banks in Woodinville, WA | 8 mi | 8 | 8 |
Bank branch openings and closings in Mountlake Terrace
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Mountlake Terrace 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 Mountlake Terrace
Short answer: 1 institution has its main office in Mountlake Terrace: 1st Security Bank of Washington.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| 1st Security Bank of Washington | Bank | $3.18 billion | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Mountlake Terrace by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Mountlake Terrace offices.
Short answer: Mechanics Bank is the largest bank with offices in Mountlake Terrace, with $21.25 billion in total assets on June 30, 2026, No. 102 among U.S. banks by total assets. 1st Security Bank of Washington is second with $3.18 billion. 1 of the 3 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Mechanics Bank | $21.25 billion | No. 102 | 1 | Walnut Creek, CA |
| 1st Security Bank of Washington | $3.18 billion | No. 408 | 1 | Mountlake Terrace, WA |
| Sound Community Bank | $1.07 billion | No. 991 | 1 | Seattle, 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 Mountlake Terrace: FAQ
How many banks are in Mountlake Terrace, WA?
Mountlake Terrace has 3 banks with 3 branches, according to FDIC data as of September 5, 2026.
Which bank has the most branches in Mountlake Terrace?
Mechanics Bank, with 1. 1st Security Bank of Washington has 1 and Sound Community Bank has 1.
Is there a Mechanics Bank in Mountlake Terrace, WA?
Yes. FDIC data lists 1 Mechanics Bank branch in Mountlake Terrace as of September 5, 2026. The address and directions are under Mechanics Bank above.
Is there a 1st Security Bank of Washington in Mountlake Terrace, WA?
Yes. FDIC data lists 1 1st Security Bank of Washington branch in Mountlake Terrace as of September 5, 2026, the main office at 6920 220th St Sw. The address and directions are under 1st Security Bank of Washington above.
Is there a Sound Community Bank in Mountlake Terrace, WA?
Yes. FDIC data lists 1 Sound Community Bank branch in Mountlake Terrace as of September 5, 2026. The address and directions are under Sound Community Bank above.
Is there a Chase in Mountlake Terrace, WA?
No. FDIC data lists no Chase branch in Mountlake Terrace as of September 5, 2026. The nearest is in Edmonds, about 2 miles away in a straight line.
Which banks are headquartered in Mountlake Terrace?
1st Security Bank of Washington has its main office in Mountlake Terrace, according to the FDIC.
What is the oldest bank in Mountlake Terrace?
Mechanics Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1905.
Did any bank branches open or close in Mountlake Terrace 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 Mountlake Terrace?
Nearby cities with more banks include Shoreline, Lynnwood, Edmonds. Shoreline is 3 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 |
| 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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