Because Union County has only one in-county commercial bank branch (DLP Bank #17734 in Lake Butler) and zero (0) in-county corporate trust charters, this listing connects Union County retirees, personal representatives, and timberland/farm families to the three FDIC-insured commercial banks and corporate trust/wealth divisions operating 12 to 16 miles east and south along State Road 100 (Starke) and State Road 121 (Alachua): (1) Capital City Bank (FDIC Certificate #9622 / #639, Florida Sunbiz Document #G75579, chartered in 1895), operating both the Starke Branch at 350 North Temple Avenue, Starke, FL 32091 ((904) 964-7050, 12 miles east of Lake Butler) and the Alachua Branch at 15000 NW 140th Street, Alachua, FL 32615 ((386) 418-6000, 14 miles south of Worthington Springs), which provide corporate fiduciary trustee and probate executor administration through Capital City Trust Company (FL OFR Trust Charter #70239, Sunbiz Doc #P94000090624 / #825241, chartered in 1961) and fiduciary investment portfolios through Capital City Strategic Wealth (via LPL Financial LLC, Firm CRD #6413 / SEC File #801-10970, staffed regionally by Christopher R. 'Chris' Malphurs, CFP®, Individual CRD #5651226, and Advisor Matt Dyal); (2) First Federal Bank (FDIC Certificate #31313, OCC Charter #706678, Sunbiz Doc #Q18000000009, founded 1962 in Lake City) at 841 South Walnut Street, Starke, FL 32091 ((904) 966-5100 / (877) 499-0572) and its Lake City headquarters at 4705 West US Highway 90, Lake City, FL 32055 ((386) 755-0600), with affiliated wealth management through Moses Wealth Advisors / Raymond James (Firm CRD #149018 / #6694, Tammy Denise Hall, CPA, PFS, CRD #4291992, & Clarence E. Brown III, CFP®, CRD #3138130); and (3) TD Bank, N.A. (FDIC Certificate #18409, OCC Charter #24096) directly on State Road 100 at 606 West Madison Street, Starke, FL 32091 ((904) 964-8363, affiliated with TD Private Client Wealth LLC, Firm CRD #164484 / SEC File #801-77373). Together, these three additional FDIC charters allow Union County seniors to structure up to $1,000,000+ in separate $250,000-per-charter FDIC deposit insurance alongside corporate trust and Medallion Signature Guarantee services.
Official Verification Sources: FDIC BankFind Suite — Capital City Bank (#9622 / #639), First Federal Bank (#31313) & TD Bank, N.A. (#18409); Capital City Strategic Wealth & Capital City Trust Company — Official Wealth Management Portal; FINRA BrokerCheck — Christopher R. Malphurs, CFP® (CRD #5651226 — LPL Financial CRD #6413) & Tammy D. Hall, CPA, PFS (CRD #4291992)
Issuer: FDIC, Florida Office of Financial Regulation (OFR), SEC & FINRA
Notes: Verified 2026-10-26: Capital City Bank operates at 350 N Temple Ave, Starke, FL 32091 ((904) 964-7050) and 15000 NW 140th St, Alachua, FL 32615 ((386) 418-6000), providing corporate trust services via Capital City Trust Company (FL OFR #70239 / Sunbiz #P94000090624) and advisory services via Capital City Strategic Wealth / LPL Financial LLC (CRD #6413 / SEC #801-10970, advisor Christopher R. Malphurs, CFP®, CRD #5651226).
Issuer: Federal Deposit Insurance Corporation (FDIC), OCC & U.S. Securities and Exchange Commission (SEC)
Notes: Verified 2026-10-26: Neither First Federal Bank nor TD Bank operates a physical branch inside Lake Butler (32054). Their closest branches to Union County are 12 miles east in Starke: First Federal Bank at 841 S Walnut St, Starke, FL 32091 ((904) 966-5100, FDIC #31313; Lake City HQ at 4705 W US Hwy 90, partnered with Moses Wealth Advisors / Raymond James CRD #149018, Tammy D. Hall, CPA, PFS CRD #4291992) and TD Bank, N.A. at 606 W Madison St, Starke, FL 32091 ((904) 964-8363, FDIC #18409, TD Private Client Wealth CRD #164484).
Factual details and direct answers about Capital City Bank, Capital City Trust Company & Capital City Strategic Wealth (Starke & Alachua) — With First Federal Bank & TD Bank Regional FDIC/Trust Corridor's services, licensing, and credentials.
Do First Federal Bank, TD Bank, or Capital City Bank have physical branches inside Lake Butler (32054), or where are their closest offices to Union County?
FDIC records confirm that DLP Bank (255 SE 6th St, Lake Butler, FDIC #17734) is the only physical bank branch inside Union County. However, Capital City Bank (350 N Temple Ave, Starke, (904) 964-7050 & 15000 NW 140th St, Alachua, (386) 418-6000, FDIC #9622), First Federal Bank (841 S Walnut St, Starke, (904) 966-5100, FDIC #31313), and TD Bank, N.A. (606 W Madison St, Starke, (904) 964-8363, FDIC #18409) all operate full-service branches just 12 to 14 miles from Lake Butler and Worthington Springs along SR-100 and SR-121.
Can Capital City Trust Company serve as an impartial corporate trustee or personal representative for a Union County estate or special needs trust?
Yes. Through the Starke (350 N Temple Ave) and Alachua (15000 NW 140th St) branches, Union County families can appoint Capital City Trust Company (FL OFR Trust Charter #70239, Sunbiz #P94000090624, established 1961) as corporate trustee, successor trustee, or personal representative for revocable living trusts, special needs trusts, and 8th Judicial Circuit probate estates.
Connect with complementary legal, financial, and residential providers serving seniors in Starke and Union County.
Paul Sanders, P.A., Charles D. Sikes, P.A. & Curtis A. 'Lex' Sanders, P.A. — Immediate East SR-100 Border Probate, Wills, Trusts & Estate Counsel (Starke — 13 Miles East of Lake Butler in the 8th Judicial Circuit)
Starke, Union County
(904) 964-2323
Bradford County SHIP Housing Assistance Program & Regional Section 8 Voucher Administration (NWFRHA)
Starke, Bradford County
(904) 966-6382
SR-100 East Border Skilled Nursing & Assisted Living Hub (Starke / Lawtey — 12–14 Miles SE) — Riverwood Healthcare (#SNF16030961), Windsor Health (#SNF1608096), Young Hearts ALF I & II (#AL10278 / #AL13253) & Naomi Armistead AFCH (#AFCH6906444)
Starke, Union County
(904) 964-6220
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Edward Jones — Courtnie A. Douglas, Financial Advisor (Starke Branch)
Starke, Bradford County
Capital City Bank — Capital City Strategic Wealth & Capital City Trust Company (Starke Branch)
Starke, Bradford County
DLP Bank (Formerly Community State Bank — Starke Main Office & Charter Headquarters)
Starke, Bradford County
VyStar Credit Union — VyStar Investment Services (Starke Branch — with Florida Credit Union & First Federal Bank Starke)
Starke, Bradford County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.