US Bank Directory
Banks in Watertown, CT
6 FDIC-insured banks operate 6 offices in Watertown, 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: Watertown
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: 9 banks and credit unions operate 10 locations in Watertown, according to the FDIC and the NCUA. 10 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
10 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 Watertown
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 6 banks share the most locations in Watertown, with 1 each. 6 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.
Greater Waterbury Healthcare Credit Union Credit union · 2
Greater Waterbury Healthcare Credit Union has 2 officees in Watertown, 3 across Connecticut. It is based in Waterbury, CT and $9.4 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Watertown locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Iron Mountain200 Commercial St, 06795
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Fd Community Federal Credit Union48 Woodruff Ave, 06795
All hours
Mon to Wed 8 am to 4 pm; Thu 8 am to 6 pm; Fri 8 am to 4 pm; Sat closed; Sun not published
Hours: NCUA, March 31, 2026
Fd Community Credit Union Credit union · 1
Fd Community Credit Union has 1 office in Watertown, 3 across Connecticut. It is based in Waterbury, CT and $159.9 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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Woodruff Ave48 Woodruff Ave, 06795
All hours
Mon to Wed 8 am to 4 pm; Thu 8 am to 6 pm; Fri 8 am to 4 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Ion Bank Bank · 1
Ion Bank has 1 branch in Watertown, 23 across Connecticut and 37 nationwide. FDIC records list its main office in Naugatuck, CT and show it operating since 1870. With $2.78 billion in total assets on June 30, 2026, it ranks No. 463 of 4,232 U.S. banks by total assets. The Watertown Branch at 544 Straits Tpke dates to 2000 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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Watertown Branch544 Straits Tpke, 06795
Mutual Security Credit Union Credit union · 1
Mutual Security Credit Union has 1 office in Watertown, 11 across Connecticut. It is based in Shelton, CT and $379.1 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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Watertown Branch764 Straits Tpke, 06795
All hours
Mon 9 am to 4:30 pm; Tue 10 am to 4:30 pm; Wed 8:30 am to 4:30 pm; Thu 8:30 am to 5 pm; Fri 8:30 am to 4:30 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Northwest Community Bank Bank · 1
Northwest Community Bank has 1 branch in Watertown, 15 across Connecticut and 15 nationwide. FDIC records list its main office in Winsted, CT and show it operating since 1875. With $1.26 billion in total assets on June 30, 2026, it ranks No. 867 of 4,232 U.S. banks by total assets. The Watertown Branch at 51 Straits Tpke dates to 2013 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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Watertown Branch51 Straits Tpke, 06795
Santander Bank · 1
Santander has 1 branch in Watertown, 108 across Connecticut and 368 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1907. With $103.96 billion in total assets on June 30, 2026, it ranks No. 32 of 4,232 U.S. banks by total assets. The Watertown Branch at 712 Main St dates to 1966 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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Watertown Branch712 Main St, 06795
TD Bank Bank · 1
TD Bank has 1 branch in Watertown, 50 across Connecticut and 1,051 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1852. With $342.80 billion in total assets on June 30, 2026, it ranks No. 13 of 4,232 U.S. banks by total assets. The Watertown Branch at 1247 Main St dates to 1982 in FDIC branch records. It opens on Saturday.
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Watertown Branch1247 Main St, 06795
All hours
Mon to Wed 9 am to 5 pm; Thu to Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun closed
Hours: TD Bank branch locator (All The Places), checked Oct 10, 2026
Thomaston Savings Bank Bank · 1
Thomaston Savings Bank has 1 branch in Watertown, 16 across Connecticut and 16 nationwide. FDIC records list its main office in Thomaston, CT and show it operating since 1874. With $1.93 billion in total assets on June 30, 2026, it ranks No. 619 of 4,232 U.S. banks by total assets. The Watertown Branch at 565 Main St dates to 1951 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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Watertown Branch565 Main St, 06795
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Watertown, 47 across Connecticut 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 Watertown Straits Branch at 628 Straits Tpke dates to 1960 in FDIC branch records. It opens on Saturday.
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Watertown Straits Branch628 Straits Tpke, 06795
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Watertown
3 credit unions have 4 offices here: Greater Waterbury Healthcare Credit Union, Mutual Security Credit Union and Fd Community 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 Watertown page has every office in the state's directory.
Banking in Watertown: the local picture
Short answer: 6 banks run 6 branches in Watertown 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 6 banks, 0 have their main office in Watertown, 3 elsewhere in Connecticut and 3 out of state, according to the FDIC.
The bank with the longest record here is TD Bank, operating since 1852 according to the FDIC. In FDIC branch records, the longest-running branch is Thomaston Savings Bank's office at 565 Main St, dating to 1951; the newest is Northwest Community Bank's at 51 Straits Tpke, from 2013.
3 credit unions have 4 offices in Watertown, according to the NCUA. Who can join each one is on the credit unions page.
Of the 6 locations with published hours. 3 open on Saturday. 4 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Watertown
Short answer: 3 of the 6 Watertown locations with published hours open on Saturday, run by 3 institutions.
- Wells Fargo: 1 of 1 branch (628 Straits Tpke: Saturday 9 am to 2 pm)
- TD Bank: 1 of 1 branch (1247 Main St: Saturday 9 am to 1 pm)
- Mutual Security Credit Union: 1 of 1 office (764 Straits Tpke: Saturday 9 am to 12 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 10 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 Watertown, and where the nearest one is if they do not.
Short answer: In Watertown: Wells Fargo (1), TD Bank (1). No branches in Watertown: Chase (nearest in Southbury, 11 mi), Bank of America (nearest in Waterbury, 3 mi), PNC Bank, U.S. Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, BMO.
| Bank | In Watertown | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| TD Bank | 1 branch | here |
| Chase | None | Southbury, 11 miles away |
| Bank of America | None | Waterbury, 3 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 |
| BMO | None | none in Connecticut |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Watertown 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 Watertown residents like anyone else.
Banks near Watertown
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Middlebury (3 miles) and Waterbury (5 miles). Waterbury, 5 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Middlebury, CT | 3 mi | 3 | 3 |
| Banks in Waterbury, CT | 5 mi | 9 | 20 |
| Banks in Woodbury, CT | 5 mi | 3 | 3 |
| Banks in Thomaston, CT | 6 mi | 2 | 3 |
| Banks in Wolcott, CT | 6 mi | 3 | 3 |
| Banks in Naugatuck, CT | 7 mi | 4 | 7 |
| Banks in Terryville, CT | 8 mi | 2 | 2 |
| Banks in Prospect, CT | 8 mi | 3 | 3 |
Bank branch openings and closings in Watertown
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Watertown between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Watertown by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Watertown offices.
Short answer: Wells Fargo is the largest bank with offices in Watertown, with $1.91 trillion in total assets on June 30, 2026, No. 4 among U.S. banks by total assets. TD Bank is second with $342.80 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 |
| TD Bank | $342.80 billion | No. 13 | 1 | Wilmington, DE |
| Santander | $103.96 billion | No. 32 | 1 | Wilmington, DE |
| Ion Bank | $2.78 billion | No. 463 | 1 | Naugatuck, CT |
| Thomaston Savings Bank | $1.93 billion | No. 619 | 1 | Thomaston, CT |
| Northwest Community Bank | $1.26 billion | No. 867 | 1 | Winsted, 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 Watertown: FAQ
How many banks are in Watertown, CT?
Watertown has 6 banks with 6 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 Watertown?
Wells Fargo, with 1. TD Bank has 1 and Santander has 1.
Is there a Wells Fargo in Watertown, CT?
Yes. FDIC data lists 1 Wells Fargo branch in Watertown as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a TD Bank in Watertown, CT?
Yes. FDIC data lists 1 TD Bank branch in Watertown as of September 5, 2026. The address and directions are under TD Bank above.
Is there a Santander in Watertown, CT?
Yes. FDIC data lists 1 Santander branch in Watertown as of September 5, 2026. The address and directions are under Santander above.
Is there a Chase in Watertown, CT?
No. FDIC data lists no Chase branch in Watertown as of September 5, 2026. The nearest is in Southbury, about 11 miles away in a straight line.
Which banks in Watertown are open on Saturday?
Wells Fargo, TD Bank and Mutual Security Credit Union publish Saturday hours for one or more Watertown locations. The Saturday section above lists each one with its hours. 4 of the 10 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Watertown?
TD Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1852.
Which credit unions can I join in Watertown?
Greater Waterbury Healthcare Credit Union, Mutual Security Credit Union and Fd Community Credit Union have offices in Watertown. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Watertown 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 Watertown?
Nearby cities with more banks include Middlebury, Waterbury, Woodbury. Middlebury is 3 miles away with 3 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 (2 of 6 branches: TD 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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