US Bank Directory
Banks in Oak Harbor, WA
5 FDIC-insured banks operate 5 offices in Oak Harbor, Washington, and 3 credit unions have 4 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: Oak Harbor
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: 8 banks and credit unions operate 9 locations in Oak Harbor, according to the FDIC and the NCUA. 8 of them have coordinates on record and are on the map. 7 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
8 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 Oak Harbor
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 Oak Harbor, 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.
Navy Federal Credit Union Credit union · 2
Navy Federal Credit Union has 2 officees in Oak Harbor, 13 across Washington. It is based in Vienna, VA and $203.56 billion in assets on March 31, 2026, according to its NCUA call report. 1 of its 2 Oak Harbor locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Nas Whidbey Island Wa1080 W Lexington St Bldg 100, Ste 108, 98278
All hours
Mon to Fri 8:30 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Oak Harbor Wa32885 State Route 20, 98277
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Global Credit Union Credit union · 1
Global Credit Union has 1 office in Oak Harbor, 29 across Washington. It is based in Anchorage, AK and $12.86 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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Oak Harbor Branch650 Ne Midway Blvd, 98277
All hours
Mon to Fri 10 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Harborstone Credit Union Credit union · 1
Harborstone Credit Union has 1 office in Oak Harbor, 32 across Washington. It is based in Tacoma, WA and $3.05 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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Oak Harbor315 Ne Midway Blvd, 98277
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
Heritage Bank Bank · 1
Heritage Bank has 1 branch in Oak Harbor, 61 across Washington and 69 nationwide. FDIC records list its main office in Olympia, WA and show it operating since 1927. With $8.42 billion in total assets on June 30, 2026, it ranks No. 193 of 4,232 U.S. banks by total assets. The Oak Harbor Branch at 450 Sw Bayshore Dr dates to 1968 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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Oak Harbor Branch450 Sw Bayshore Dr, 98277
KeyBank Bank · 1
KeyBank has 1 branch in Oak Harbor, 139 across Washington and 952 nationwide. FDIC records list its main office in Cleveland, OH and show it operating since 1849. With $188.56 billion in total assets on June 30, 2026, it ranks No. 23 of 4,232 U.S. banks by total assets. The Oak Harbor Branch at 90 Se Pioneer Way dates to 1986 in FDIC branch records. Its published hours do not list Saturday.
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Oak Harbor Branch90 Se Pioneer Way, 98277
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: KeyBank branch locator (All The Places), checked Oct 10, 2026
Peoples Bank Bank · 1
Peoples Bank has 1 branch in Oak Harbor, 23 across Washington and 23 nationwide. FDIC records list its main office in Bellingham, WA and show it operating since 1921. With $2.42 billion in total assets on June 30, 2026, it ranks No. 514 of 4,232 U.S. banks by total assets. The Oak Harbor Office Branch at 570 Ne Midway Blvd dates to 2021 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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Oak Harbor Office Branch570 Ne Midway Blvd, 98277
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Oak Harbor, 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 Oak Harbor Branch at 836 Ne Midway Blvd dates to 1977 in FDIC branch records. Its published hours do not list Saturday.
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Oak Harbor Branch836 Ne Midway Blvd, 98277
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
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Oak Harbor, 112 across Washington 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. The Oak Harbor Branch at 361 Se Pioneer Way dates to 1934 in FDIC branch records. Its published hours do not list Saturday.
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Oak Harbor Branch361 Se Pioneer Way, 98277
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
Join a credit union in Oak Harbor
3 credit unions have 4 offices here: Navy Federal Credit Union, Global Credit Union and Harborstone 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 Oak Harbor page has every office in the state's directory.
Banking in Oak Harbor: the local picture
Short answer: 5 banks run 5 branches in Oak Harbor 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 Oak Harbor, 2 elsewhere in Washington and 3 out of state, according to the FDIC.
The bank with the longest record here is KeyBank, operating since 1849 according to the FDIC. In FDIC branch records, the longest-running branch is Wells Fargo's office at 361 Se Pioneer Way, dating to 1934; the newest is Peoples Bank's at 570 Ne Midway Blvd, from 2021.
3 credit unions have 4 offices in Oak Harbor, according to the NCUA. Who can join each one is on the credit unions page.
Of the 7 locations with published hours. 1 opens on Saturday. 2 locations have no published hours in these sources.
Banks by ZIP code in Oak Harbor
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 98277 has the most bank and credit union offices in Oak Harbor (8), followed by 98278 (1). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 98277 | 8 | 8 | Global Credit Union, Harborstone Credit Union, Heritage Bank |
| 98278 | 1 | 1 | Navy Federal Credit Union |
Credit unions open on Saturday in Oak Harbor
Short answer: 1 of the 7 Oak Harbor locations with published hours opens on Saturday, run by 1 institution.
- Navy Federal Credit Union: 1 of 2 offices (32885 State Route 20: 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; 2 of the 9 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 Oak Harbor, and where the nearest one is if they do not.
Short answer: In Oak Harbor: Wells Fargo (1), U.S. Bank (1). No branches in Oak Harbor: Chase (nearest in Port Townsend, 14 mi), Bank of America (nearest in Stanwood, 13 mi), PNC Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in Seattle, 50 mi).
| Bank | In Oak Harbor | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| U.S. Bank | 1 branch | here |
| Chase | None | Port Townsend, 14 miles away |
| Bank of America | None | Stanwood, 13 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 | Seattle, 50 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Oak Harbor 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 Oak Harbor residents like anyone else.
Banks near Oak Harbor
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Coupeville (6 miles) and Camano Island (10 miles). Mount Vernon, 17 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Coupeville, WA | 6 mi | 2 | 2 |
| Banks in Camano Island, WA | 10 mi | 2 | 2 |
| Banks in Port Townsend, WA | 14 mi | 6 | 6 |
| Banks in Stanwood, WA | 14 mi | 6 | 6 |
| Banks in Anacortes, WA | 15 mi | 8 | 8 |
| Banks in Mount Vernon, WA | 17 mi | 9 | 11 |
| Banks in Burlington, WA | 19 mi | 9 | 9 |
| Banks in Freeland, WA | 21 mi | 4 | 4 |
Bank branch openings and closings in Oak Harbor
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Oak Harbor between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Oak Harbor by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Oak Harbor offices.
Short answer: Wells Fargo is the largest bank with offices in Oak Harbor, with $1.91 trillion in total assets on June 30, 2026, No. 4 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 |
|---|---|---|---|---|
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| KeyBank | $188.56 billion | No. 23 | 1 | Cleveland, OH |
| Heritage Bank | $8.42 billion | No. 193 | 1 | Olympia, WA |
| Peoples Bank | $2.42 billion | No. 514 | 1 | Bellingham, 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 Oak Harbor: FAQ
How many banks are in Oak Harbor, WA?
Oak Harbor has 5 banks with 5 branches and 3 credit unions with 4 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 Oak Harbor?
Wells Fargo, with 1. U.S. Bank has 1 and KeyBank has 1.
Is there a Wells Fargo in Oak Harbor, WA?
Yes. FDIC data lists 1 Wells Fargo branch in Oak Harbor as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a U.S. Bank in Oak Harbor, WA?
Yes. FDIC data lists 1 U.S. Bank branch in Oak Harbor as of September 5, 2026. The address and directions are under U.S. Bank above.
Is there a KeyBank in Oak Harbor, WA?
Yes. FDIC data lists 1 KeyBank branch in Oak Harbor as of September 5, 2026. The address and directions are under KeyBank above.
Is there a Chase in Oak Harbor, WA?
No. FDIC data lists no Chase branch in Oak Harbor as of September 5, 2026. The nearest is in Port Townsend, about 14 miles away in a straight line.
Which banks in Oak Harbor are open on Saturday?
Navy Federal Credit Union publishes Saturday hours for one or more Oak Harbor locations. The Saturday section above lists each one with its hours. 2 of the 9 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Oak Harbor?
KeyBank has the longest record among banks with a branch here: the FDIC shows it operating since 1849.
Which credit unions can I join in Oak Harbor?
Navy Federal Credit Union, Global Credit Union and Harborstone Credit Union have offices in Oak Harbor. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Oak Harbor 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 Oak Harbor?
Nearby cities with more banks include Coupeville, Camano Island, Port Townsend. Coupeville is 6 miles away with 2 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 3 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 (3 of 5 branches: KeyBank, U.S. 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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