Shelby, North Carolina

Your money should work as hard as you do.

For over four decades, HomeTrust Bank has stood beside Shelby families and businesses — building wealth, securing futures, and investing in the community that invested in us first.

40+
Years Serving
$1B+
Assets Managed
1st
in Community
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Financial services built
around your life

Whether you're buying your first home, growing a business, or planning for retirement, we provide the tools and expertise to help you move forward with confidence.

Mortgage & Home Loans

From first-time buyers to investment properties, our mortgage team crafts loan solutions that fit your budget and your timeline.

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Commercial Banking

We understand the unique challenges of running a business in Shelby County. Our commercial lending and cash management solutions are tailored to help you grow.

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Personal Banking

Checking accounts, savings, CDs, and certificates — simple, transparent banking products designed to help you manage and grow your money every day.

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Wealth Management

Our trust and wealth services provide personalized strategies for estate planning, retirement income, and preserving what you've built for the next generation.

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Online & Mobile Banking

Manage your accounts 24/7 with our secure digital platform. Transfer funds, pay bills, deposit checks, and monitor your balances from anywhere.

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Private Client Services

Dedicated relationship managers, bespoke investment strategies, and the discretion high-net-worth clients expect from a bank that values personal attention.

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HomeTrust Bank branch interior in Shelby, North Carolina
Since 1980
Serving Shelby and the Carolina Piedmont with integrity and purpose.

A bank that remembers
your name

HomeTrust Bank was founded on a simple conviction: that banking should be personal. In a world of algorithms and automated decisions, we chose the harder — and more rewarding — path of knowing our customers by name, understanding their goals, and building relationships that outlast market cycles.

Headquartered on Warren Street in the heart of Shelby, we have grown alongside the communities of Cleveland and Cleveland County. Our team lives here. Our children go to school here. The businesses we lend to are our neighbors. This isn't just where we work — it's where we belong.

As a subsidiary of HomeTrust Bancshares, we combine the stability of a well-capitalized institution with the agility and personal touch of a community bank. You get the best of both worlds: the strength of a billion-dollar bank with the warmth of a Main Street institution.

Integrity First
Honest advice, always
Community Rooted
Local decisions, local impact
Client Focused
Your goals drive us
Financial Strength
Billion-dollar stability

Investing in Shelby

We don't just do business in this community — we invest in it. Through charitable giving, sponsorships, and volunteerism, we help Shelby thrive.

HomeTrust Bank supporting local education initiatives in Shelby

Education

Scholarships, school partnerships, and literacy programs that open doors for Shelby's youngest residents.

HomeTrust Bank supporting local small businesses in Shelby, NC

Small Business

We lend to and sponsor the entrepreneurs who make Shelby's commercial corridors vibrant and competitive.

HomeTrust Bank charitable giving and community outreach in the Carolinas

Charitable Giving

Millions directed annually to United Way, food banks, healthcare, and organizations that serve our neighbors in need.

Trusted by Shelby

"When we needed a loan to expand our family business, HomeTrust didn't just look at our numbers — they looked at our story. They believed in us when it mattered most, and we've been loyal customers ever since."

JR
Local Business Owner
Shelby, NC

"I've banked at national chains before, and the difference is night and day. Here, the tellers know my name and my family. When I needed a mortgage, they walked me through every step instead of pushing products I didn't need."

SM
Homeowner
Shelby, NC

"After my husband passed, I was overwhelmed by financial decisions. The team at HomeTrust took the time to explain everything patiently and helped me set up a plan that gave me peace of mind and security I didn't think I'd have left."

PT
Retiree
Shelby, NC

Ready to build a
stronger financial future?

Visit our branch on Warren Street, give us a call, or send us a message. We'd love to hear about your goals and show you how HomeTrust can help you reach them.

We're here when
you need us

Whether you have a question about our services, need help with an existing account, or want to explore your options — our team is ready to assist.

Branch Location
224 E Warren St
Shelby, NC 28150
Branch Hours
Monday – Thursday: 9:00 AM – 5:00 PM
Friday: 9:00 AM – 5:00 PM
Saturday – Sunday: Closed

Send Us a Message

Fill out the form below and a member of our team will get back to you within one business day.

Is this your business? This is my business