US Bank Directory
Banks in Charlton, MA
3 FDIC-insured banks operate 3 offices in Charlton, Massachusetts, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Charlton
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: 4 banks and credit unions operate 4 locations in Charlton, according to the FDIC and the NCUA. 4 of them have coordinates on record and are on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
4 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 Charlton
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Cornerstone Bank, Country Bank for Savings and Savers Co-operative Bank have the most locations in Charlton, with 1 each. 3 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.
Cornerstone Bank Bank · 1
Cornerstone Bank has 1 branch in Charlton, 17 across Massachusetts and 17 nationwide. FDIC records list its main office in Spencer, MA and show it operating since 1871. With $2.57 billion in total assets on June 30, 2026, it ranks No. 494 of 4,232 U.S. banks by total assets. The Charlton Branch at 2 Center Depot Rd dates to 1976 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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Charlton Branch2 Center Depot Rd, 01507
Country Bank for Savings Bank · 1
Country Bank for Savings has 1 branch in Charlton, 16 across Massachusetts and 15 nationwide. FDIC records list its main office in Ware, MA and show it operating since 1850. With $2.24 billion in total assets on June 30, 2026, it ranks No. 559 of 4,232 U.S. banks by total assets. The Charlton Branch at 37 Worcester Rd dates to 2004 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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Charlton Branch37 Worcester Rd, 01507
Savers Co-operative Bank Bank · 1
Savers Co-operative Bank has 1 branch in Charlton, 7 across Massachusetts and 7 nationwide. FDIC records list its main office in Southbridge, MA and show it operating since 1910. With $783.2 million in total assets on June 30, 2026, it ranks No. 1,280 of 4,232 U.S. banks by total assets. The Charlton Branch at 35 Trolley Crossing Rd dates to 1987 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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Charlton Branch35 Trolley Crossing Rd, 01507
Webster First Credit Union Credit union · 1
Webster First Credit Union has 1 office in Charlton, 16 across Massachusetts. It is based in Worcester, MA and $1.50 billion 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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Charlton20 Trolley Crossing Rd, 01507
All hours
Mon to Tue 8:30 am to 4 pm; Wed 8:30 am to 12 pm; Thu 8:30 am to 7 pm; Fri not published; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Charlton
1 credit union has 1 office here: Webster First 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 Charlton page has every office in the state's directory.
Banking in Charlton: the local picture
Short answer: 3 banks run 3 branches in Charlton 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 3 banks, 0 have their main office in Charlton, 3 elsewhere in Massachusetts, according to the FDIC.
The bank with the longest record here is Country Bank for Savings, operating since 1850 according to the FDIC. In FDIC branch records, the longest-running branch is Cornerstone Bank's office at 2 Center Depot Rd, dating to 1976; the newest is Country Bank for Savings's at 37 Worcester Rd, from 2004.
The only credit union with an office here is Webster First Credit Union.
Of the 1 location with published hours. 1 opens on Saturday. 3 locations have no published hours in these sources.
Credit unions open on Saturday in Charlton
Short answer: 1 of the 1 Charlton location with published hours opens on Saturday, run by 1 institution.
- Webster First Credit Union: 1 of 1 office (20 Trolley Crossing Rd: Saturday 8:30 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; 3 of the 4 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 Charlton, and where the nearest one is if they do not.
Short answer: No branches in Charlton: Chase (nearest in Auburn, 8 mi), Wells Fargo (nearest in Boston, 49 mi), Bank of America (nearest in Auburn, 8 mi), PNC Bank (nearest in Framingham, 30 mi), U.S. Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank (nearest in Sturbridge, 6 mi), BMO.
| Bank | In Charlton | Nearest branch if none here |
|---|---|---|
| Chase | None | Auburn, 8 miles away |
| Wells Fargo | None | Boston, 49 miles away |
| Bank of America | None | Auburn, 8 miles away |
| PNC Bank | None | Framingham, 30 miles away |
| U.S. Bank | None | none in Massachusetts |
| Truist | None | none in Massachusetts |
| Fifth Third Bank | None | none in Massachusetts |
| Huntington | None | none in Massachusetts |
| Regions Bank | None | none in Massachusetts |
| TD Bank | None | Sturbridge, 6 miles away |
| BMO | None | none in Massachusetts |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Charlton 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%.
| 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 Charlton residents like anyone else.
Banks near Charlton
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Sturbridge (5 miles) and Southbridge (6 miles). Auburn, 8 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Sturbridge, MA | 5 mi | 5 | 5 |
| Banks in Southbridge, MA | 6 mi | 2 | 3 |
| Banks in Oxford, MA | 6 mi | 2 | 2 |
| Banks in Leicester, MA | 8 mi | 2 | 2 |
| Banks in Auburn, MA | 8 mi | 9 | 9 |
| Banks in Webster, MA | 8 mi | 5 | 5 |
| Banks in West Brookfield, MA | 11 mi | 2 | 2 |
| Banks in Millbury, MA | 12 mi | 3 | 3 |
Bank branch openings and closings in Charlton
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Charlton between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Charlton by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Charlton offices.
Short answer: Cornerstone Bank is the largest bank with offices in Charlton, with $2.57 billion in total assets on June 30, 2026, No. 494 among U.S. banks by total assets. Country Bank for Savings is second with $2.24 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Cornerstone Bank | $2.57 billion | No. 494 | 1 | Spencer, MA |
| Country Bank for Savings | $2.24 billion | No. 559 | 1 | Ware, MA |
| Savers Co-operative Bank | $783.2 million | No. 1,280 | 1 | Southbridge, MA |
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 Charlton: FAQ
How many banks are in Charlton, MA?
Charlton has 3 banks with 3 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Charlton?
Cornerstone Bank, with 1. Country Bank for Savings has 1 and Savers Co-operative Bank has 1.
Is there a Cornerstone Bank in Charlton, MA?
Yes. FDIC data lists 1 Cornerstone Bank branch in Charlton as of September 5, 2026. The address and directions are under Cornerstone Bank above.
Is there a Country Bank for Savings in Charlton, MA?
Yes. FDIC data lists 1 Country Bank for Savings branch in Charlton as of September 5, 2026. The address and directions are under Country Bank for Savings above.
Is there a Savers Co-operative Bank in Charlton, MA?
Yes. FDIC data lists 1 Savers Co-operative Bank branch in Charlton as of September 5, 2026. The address and directions are under Savers Co-operative Bank above.
Is there a Chase in Charlton, MA?
No. FDIC data lists no Chase branch in Charlton as of September 5, 2026. The nearest is in Auburn, about 8 miles away in a straight line.
Which banks in Charlton are open on Saturday?
Webster First Credit Union publishes Saturday hours for one or more Charlton locations. The Saturday section above lists each one with its hours. 3 of the 4 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Charlton?
Country Bank for Savings has the longest record among banks with a branch here: the FDIC shows it operating since 1850.
Which credit unions can I join in Charlton?
Webster First Credit Union has an office in Charlton. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Charlton 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 Charlton?
Nearby cities with more banks include Sturbridge, Southbridge, Oxford. Sturbridge is 5 miles away with 5 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 1 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 |
| 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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