Banks in Ayer, MA

Bank branch map: Ayer

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: 2 banks and credit unions operate 2 locations in Ayer, according to the FDIC and the NCUA. 2 of them have coordinates on record and are on the map. 1 publish opening hours.

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 Ayer

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Main Street Bank is the only bank with an office in Ayer. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

I-c Credit Union 1 office · main office Fitchburg, MA Credit union · 1

I-c Credit Union has 1 office in Ayer, 6 across Massachusetts. It is based in Fitchburg, MA and $547.3 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.

• Ayer

  72 Park St, 01432

  (978) 772-5993Today 9 am to 4 pm

  All hours

  Mon to Wed 9 am to 4 pm; Thu to Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun not published

  Hours: NCUA, March 31, 2026

  Directions

I-c Credit Union: profile, branches and contacts

Main Street Bank 1 branch · main office Marlborough, MA Bank · 1

Main Street Bank has 1 branch in Ayer, 6 across Massachusetts and 6 nationwide. FDIC records list its main office in Marlborough, MA and show it operating since 1860. With $1.67 billion in total assets on June 30, 2026, it ranks No. 679 of 4,232 U.S. banks by total assets. The North Middlesex Svgs Br at 7 Main St dates to 1885 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• North Middlesex Svgs Br

  7 Main St, 01432

  Hours: see the bank's site
  DirectionsWebsite

Main Street Bank: profile, branches and contacts

Join a credit union in Ayer

1 credit union has 1 office here: I-c 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 Ayer page has every office in the state's directory.

Banking in Ayer: the local picture

Short answer: 1 bank runs 1 branch in Ayer according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Main Street Bank has its main office in Marlborough, MA, according to the FDIC.

The bank with the longest record here is Main Street Bank, operating since 1860 according to the FDIC.

The only credit union with an office here is I-c Credit Union.

Of the 1 location with published hours. 1 opens on Saturday. 1 location has no published hours in these sources.

Credit unions open on Saturday in Ayer

Short answer: 1 of the 1 Ayer location with published hours opens on Saturday, run by 1 institution.

• I-c Credit Union: 1 of 1 office (72 Park St: 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; 1 of the 2 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 Ayer, and where the nearest one is if they do not.

Short answer: No branches in Ayer: Chase (nearest in Westford, 8 mi), Wells Fargo (nearest in Boston, 31 mi), Bank of America (nearest in Westford, 8 mi), PNC Bank (nearest in Framingham, 20 mi), U.S. Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank (nearest in Acton, 9 mi), BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Ayer to the nearest branch in Massachusetts.

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%.

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 Ayer residents like anyone else.

Banks near Ayer

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Groton (3 miles) and Littleton (6 miles). Leominster, 9 miles away, has the most banks nearby: 9.

Bank branch openings and closings in Ayer

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Ayer between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Ayer by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ayer offices.

Short answer: Main Street Bank is the largest bank with offices in Ayer, with $1.67 billion in total assets on June 30, 2026, No. 679 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

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 Ayer: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.