US Bank Directory
Banks in Waterford, CT
4 FDIC-insured banks operate 5 offices in Waterford, Connecticut, 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: Waterford
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 9 locations in Waterford, according to the FDIC and the NCUA. 9 of them have coordinates on record and are on the map. 5 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
9 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 Waterford
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: M&T Bank has the most locations in Waterford, with 2. The other 3 each 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.
Charter Oak Credit Union Credit union · 2
Charter Oak Credit Union has 2 officees in Waterford, 15 across Connecticut. It is based in Waterford, CT and $1.70 billion in assets on March 31, 2026, according to its NCUA call report. All 2 of its Waterford locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office1055 Hartford Tpke, 06385
All hours
Mon 9 am to 5 pm; Tue to Wed not published; Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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Waterford3 Boston Post Rd, 06385
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
M&T Bank Bank · 2
M&T Bank has 2 branches in Waterford, 109 across Connecticut and 960 nationwide. FDIC records list its main office in Buffalo, NY and show it operating since 1856. With $218.79 billion in total assets on June 30, 2026, it ranks No. 21 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Waterford location is the Broad Street Branch at 716 Broad Street Ext, dating to 1985; the newest, at 124 Boston Post Rd, to 2023. It does not publish hours in the sources this page uses; check its site before you go.
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Waterford Branch124 Boston Post Rd, 06385
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Broad Street Branch716 Broad Street Ext, 06385
Chelsea Groton Bank Bank · 1
Chelsea Groton Bank has 1 branch in Waterford, 14 across Connecticut and 14 nationwide. FDIC records list its main office in Groton, CT and show it operating since 1854. With $1.75 billion in total assets on June 30, 2026, it ranks No. 658 of 4,232 U.S. banks by total assets. The Waterford Branch at 157 Boston Post Rd dates to 1997 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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Waterford Branch157 Boston Post Rd, 06385
Citizens Bank · 1
Citizens has 1 branch in Waterford, 30 across Connecticut and 977 nationwide. FDIC records list its main office in Providence, RI and show it operating since 2005. With $232.52 billion in total assets on June 30, 2026, it ranks No. 20 of 4,232 U.S. banks by total assets. The Waterford Branch at 117 Boston Post Rd dates to 1964 in FDIC branch records. It opens on Saturday.
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Waterford Branch117 Boston Post Rd, 06385
All hours
Mon to Fri 9 am to 4 pm; Sat 9 am to 12 pm; Sun not published
Hours: Citizens branch locator (All The Places), checked Oct 10, 2026
Coreplus Credit Union Credit union · 1
Coreplus Credit Union has 1 office in Waterford, 12 across Connecticut. It is based in Norwich, CT and $671.3 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Waterford40 Boston Post Rd, 06385
All hours
Mon to Tue not published; Wed 9:30 am to 4:30 pm; Thu not published; Fri 10:30 am to 4:30 pm; Sat 9:30 am to 5:30 pm; Sun not published
Hours: NCUA, March 31, 2026
Dutch Point Credit Union Credit union · 1
Dutch Point Credit Union has 1 office in Waterford, 8 across Connecticut. It is based in Wethersfield, CT and $560.0 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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Millstone156 Rope Ferry Rd, 06385
All hours
Mon not published; Tue 8:30 am to 12 pm; Wed not published; Thu 8:30 am to 12 pm; Fri to Sun not published
Hours: NCUA, March 31, 2026
Liberty Bank Bank · 1
Liberty Bank has 1 branch in Waterford, 50 across Connecticut and 51 nationwide. FDIC records list its main office in Middletown, CT and show it operating since 1825. With $9.38 billion in total assets on June 30, 2026, it ranks No. 171 of 4,232 U.S. banks by total assets. The Waterford Branch at 165 Boston Post Rd dates to 1963 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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Waterford Branch165 Boston Post Rd, 06385
Join a credit union in Waterford
3 credit unions have 4 offices here: Charter Oak Credit Union, Coreplus Credit Union and Dutch Point 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 Waterford page has every office in the state's directory.
Banking in Waterford: the local picture
Short answer: 4 banks run 5 branches in Waterford 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 4 banks, 0 have their main office in Waterford, 2 elsewhere in Connecticut and 2 out of state, according to the FDIC.
The bank with the longest record here is Liberty Bank, operating since 1825 according to the FDIC. In FDIC branch records, the longest-running branch is Liberty Bank's office at 165 Boston Post Rd, dating to 1963; the newest is M&T Bank's at 124 Boston Post Rd, from 2023.
3 credit unions have 4 offices in Waterford, according to the NCUA. Who can join each one is on the credit unions page.
Of the 5 locations with published hours. 4 open on Saturday. 4 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Waterford
Short answer: 4 of the 5 Waterford locations with published hours open on Saturday, run by 3 institutions.
- Citizens: 1 of 1 branch (117 Boston Post Rd: Saturday 9 am to 12 pm)
- Charter Oak Credit Union: 2 of 2 offices (1055 Hartford Tpke: Saturday 9 am to 12 pm, and 1 more)
- Coreplus Credit Union: 1 of 1 office (40 Boston Post Rd: Saturday 9:30 am to 5:30 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; 4 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 Waterford, and where the nearest one is if they do not.
Short answer: No branches in Waterford: Chase (nearest in Groton, 4 mi), Wells Fargo (nearest in Old Saybrook, 14 mi), Bank of America (nearest in New London, 2 mi), PNC Bank, U.S. Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank (nearest in Colchester, 19 mi), BMO.
| Bank | In Waterford | Nearest branch if none here |
|---|---|---|
| Chase | None | Groton, 4 miles away |
| Wells Fargo | None | Old Saybrook, 14 miles away |
| Bank of America | None | New London, 2 miles away |
| PNC Bank | None | none in Connecticut |
| U.S. Bank | None | none in Connecticut |
| Truist | None | none in Connecticut |
| Fifth Third Bank | None | none in Connecticut |
| Huntington | None | none in Connecticut |
| Regions Bank | None | none in Connecticut |
| TD Bank | None | Colchester, 19 miles away |
| BMO | None | none in Connecticut |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Waterford to the nearest branch in Connecticut.
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 Waterford residents like anyone else.
Banks near Waterford
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are New London (1 mile) and Niantic (4 miles). Groton, 4 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in New London, CT | 1 mi | 4 | 4 |
| Banks in Niantic, CT | 4 mi | 2 | 2 |
| Banks in Groton, CT | 4 mi | 7 | 8 |
| Banks in East Lyme, CT | 4 mi | 3 | 3 |
| Banks in Uncasville, CT | 6 mi | 2 | 2 |
| Banks in Mystic, CT | 9 mi | 6 | 7 |
| Banks in Old Lyme, CT | 11 mi | 3 | 3 |
| Banks in Stonington, CT | 12 mi | 2 | 2 |
Bank branch openings and closings in Waterford
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Waterford 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 Waterford
Short answer: 1 institution has its main office in Waterford: Charter Oak Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Charter Oak Credit Union | Credit union | $1.70 billion | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Waterford by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Waterford offices.
Short answer: Citizens is the largest bank with offices in Waterford, with $232.52 billion in total assets on June 30, 2026, No. 20 among U.S. banks by total assets. M&T Bank is second with $218.79 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Citizens | $232.52 billion | No. 20 | 1 | Providence, RI |
| M&T Bank | $218.79 billion | No. 21 | 2 | Buffalo, NY |
| Liberty Bank | $9.38 billion | No. 171 | 1 | Middletown, CT |
| Chelsea Groton Bank | $1.75 billion | No. 658 | 1 | Groton, CT |
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 Waterford: FAQ
How many banks are in Waterford, CT?
Waterford has 4 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 Waterford?
M&T Bank, with 2. Citizens has 1 and Liberty Bank has 1.
Is there a M&T Bank in Waterford, CT?
Yes. FDIC data lists 2 M&T Bank branches in Waterford as of September 5, 2026. Its branches are listed under M&T Bank above, with the address and directions for each.
Is there a Citizens in Waterford, CT?
Yes. FDIC data lists 1 Citizens branch in Waterford as of September 5, 2026. The address and directions are under Citizens above.
Is there a Liberty Bank in Waterford, CT?
Yes. FDIC data lists 1 Liberty Bank branch in Waterford as of September 5, 2026. The address and directions are under Liberty Bank above.
Is there a Chase in Waterford, CT?
No. FDIC data lists no Chase branch in Waterford as of September 5, 2026. The nearest is in Groton, about 4 miles away in a straight line.
Which banks in Waterford are open on Saturday?
Citizens, Charter Oak Credit Union and Coreplus Credit Union publish Saturday hours for one or more Waterford locations. The Saturday section above lists each one with its hours. 4 of the 9 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Waterford?
Charter Oak Credit Union has its main office in Waterford, according to the FDIC and the NCUA.
What is the oldest bank in Waterford?
Liberty Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1825.
Which credit unions can I join in Waterford?
Charter Oak Credit Union, Coreplus Credit Union and Dutch Point Credit Union have offices in Waterford. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Waterford 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 Waterford?
Nearby cities with more banks include New London, Niantic, Groton. New London is 1 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 4 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 (1 of 5 branches: Citizens) | 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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