US Bank Directory
Banks in Ludlow, MA
8 FDIC-insured banks operate 8 offices in Ludlow, Massachusetts, and 2 credit unions have 2 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: Ludlow
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: 10 banks and credit unions operate 10 locations in Ludlow, 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 Ludlow
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 8 banks share the most locations in Ludlow, with 1 each. 8 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.
Beacon Bank and Trust Bank · 1
Beacon Bank and Trust has 1 branch in Ludlow, 70 across Massachusetts and 151 nationwide. FDIC records list its main office in Boston, MA and show it operating since 1871. With $22.20 billion in total assets on June 30, 2026, it ranks No. 98 of 4,232 U.S. banks by total assets. The Ludlow Branch at 431 Center St dates to 1998 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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Ludlow Branch431 Center St, 01056
Citizens Bank · 1
Citizens has 1 branch in Ludlow, 179 across Massachusetts 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 Ludlow Downtown at 33 Center St dates to 1888 in FDIC branch records. It opens on Saturday.
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Ludlow Downtown33 Center St, 01056
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
Country Bank for Savings Bank · 1
Country Bank for Savings has 1 branch in Ludlow, 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 Ludlow Branch at 64 Cherry St dates to 2002 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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Ludlow Branch64 Cherry St, 01056
Freedom Credit Union Credit union · 1
Freedom Credit Union has 1 office in Ludlow, 10 across Massachusetts. It is based in Springfield, MA and $757.4 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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Ludlow645 Center St, 01056
All hours
Mon to Wed 9 am to 4 pm; Thu to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
KeyBank Bank · 1
KeyBank has 1 branch in Ludlow, 7 across Massachusetts and 952 nationwide. FDIC records list its main office in Cleveland, OH and show it operating since 1849. With $188.56 billion in total assets on June 30, 2026, it ranks No. 23 of 4,232 U.S. banks by total assets. The Ludlow Branch at 314 Center St dates to 1998 in FDIC branch records. Its published hours do not list Saturday.
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Ludlow Branch314 Center St, 01056
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: KeyBank branch locator (All The Places), checked Oct 10, 2026
Luso Credit Union Credit union · 1
Luso Credit Union has 1 office in Ludlow, 2 across Massachusetts. It is based in Ludlow, MA and $241.8 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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Main Office main office599 East St, 01056
All hours
Mon to Wed 8:30 am to 4:30 pm; Thu to Fri 8:30 am to 5:30 pm; Sat 8:30 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
M&T Bank Bank · 1
M&T Bank has 1 branch in Ludlow, 62 across Massachusetts 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. The Ludlow Branch at 528 Center St dates to 2002 in FDIC branch records. It opens on Saturday.
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Ludlow Branch528 Center St, 01056
All hours
Mon closed; Tue to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun closed
Hours: M&T Bank branch locator (All The Places), checked Oct 10, 2026
PeoplesBank Bank · 1
PeoplesBank has 1 branch in Ludlow, 14 across Massachusetts and 21 nationwide. FDIC records list its main office in Holyoke, MA and show it operating since 1885. With $4.62 billion in total assets on June 30, 2026, it ranks No. 303 of 4,232 U.S. banks by total assets. The Ludlow Branch at 450 Center St dates to 2020 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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Ludlow Branch450 Center St, 01056
TD Bank Bank · 1
TD Bank has 1 branch in Ludlow, 114 across Massachusetts 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 Ludlow-Center St. Branch at 549 Center St dates to 1997 in FDIC branch records. It opens on Saturday.
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Ludlow-Center St. Branch549 Center St, 01056
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
Westfield Bank Bank · 1
Westfield Bank has 1 branch in Ludlow, 23 across Massachusetts and 27 nationwide. FDIC records list its main office in Westfield, MA and show it operating since 1853. With $2.73 billion in total assets on June 30, 2026, it ranks No. 471 of 4,232 U.S. banks by total assets. The Ludlow Branch at 477 Center St dates to 2002 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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Ludlow Branch477 Center St, 01056
Join a credit union in Ludlow
2 credit unions have 2 offices here: Freedom Credit Union and Luso 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 Ludlow page has every office in the state's directory.
Banking in Ludlow: the local picture
Short answer: 8 banks run 8 branches in Ludlow 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 8 banks, 0 have their main office in Ludlow, 4 elsewhere in Massachusetts and 4 out of state, according to the FDIC.
The bank with the longest record here is KeyBank, operating since 1849 according to the FDIC. In FDIC branch records, the longest-running branch is Citizens's office at 33 Center St, dating to 1888; the newest is PeoplesBank's at 450 Center St, from 2020.
2 credit unions have 2 offices in Ludlow, according to the NCUA. Who can join each one is on the credit unions page.
Of the 6 locations with published hours. 5 open on Saturday. 4 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Ludlow
Short answer: 5 of the 6 Ludlow locations with published hours open on Saturday, run by 5 institutions.
- TD Bank: 1 of 1 branch (549 Center St: Saturday 9 am to 1 pm)
- Citizens: 1 of 1 branch (33 Center St: Saturday 9 am to 12 pm)
- M&T Bank: 1 of 1 branch (528 Center St: Saturday 9 am to 12 pm)
- Freedom Credit Union: 1 of 1 office (645 Center St: Saturday 9 am to 12 pm)
- Luso Credit Union: 1 of 1 office (599 East St: Saturday 8:30 am to 1 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 Ludlow, and where the nearest one is if they do not.
Short answer: In Ludlow: TD Bank (1). No branches in Ludlow: Chase (nearest in Springfield, 2 mi), Wells Fargo (nearest in Boston, 74 mi), Bank of America (nearest in Springfield, 2 mi), PNC Bank (nearest in Framingham, 55 mi), U.S. Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, BMO.
| Bank | In Ludlow | Nearest branch if none here |
|---|---|---|
| TD Bank | 1 branch | here |
| Chase | None | Springfield, 2 miles away |
| Wells Fargo | None | Boston, 74 miles away |
| Bank of America | None | Springfield, 2 miles away |
| PNC Bank | None | Framingham, 55 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 |
| BMO | None | none in Massachusetts |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Ludlow 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 Ludlow residents like anyone else.
Banks near Ludlow
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Wilbraham (2 miles) and Chicopee (5 miles). Springfield, 5 miles away, has the most banks nearby: 14.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Wilbraham, MA | 2 mi | 2 | 3 |
| Banks in Chicopee, MA | 5 mi | 7 | 11 |
| Banks in Springfield, MA | 5 mi | 14 | 33 |
| Banks in South Hadley, MA | 7 mi | 5 | 5 |
| Banks in East Longmeadow, MA | 7 mi | 10 | 10 |
| Banks in Holyoke, MA | 8 mi | 8 | 10 |
| Banks in West Springfield, MA | 8 mi | 9 | 12 |
| Banks in Belchertown, MA | 9 mi | 5 | 5 |
Bank branch openings and closings in Ludlow
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Ludlow 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 Ludlow
Short answer: 1 institution has its main office in Ludlow: Luso Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Luso Credit Union | Credit union | $241.8 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Ludlow by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ludlow offices.
Short answer: TD Bank is the largest bank with offices in Ludlow, with $342.80 billion in total assets on June 30, 2026, No. 13 among U.S. banks by total assets. Citizens is second with $232.52 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| TD Bank | $342.80 billion | No. 13 | 1 | Wilmington, DE |
| Citizens | $232.52 billion | No. 20 | 1 | Providence, RI |
| M&T Bank | $218.79 billion | No. 21 | 1 | Buffalo, NY |
| KeyBank | $188.56 billion | No. 23 | 1 | Cleveland, OH |
| Beacon Bank and Trust | $22.20 billion | No. 98 | 1 | Boston, MA |
| PeoplesBank | $4.62 billion | No. 303 | 1 | Holyoke, MA |
| Westfield Bank | $2.73 billion | No. 471 | 1 | Westfield, MA |
| Country Bank for Savings | $2.24 billion | No. 559 | 1 | Ware, 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 Ludlow: FAQ
How many banks are in Ludlow, MA?
Ludlow has 8 banks with 8 branches and 2 credit unions with 2 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 Ludlow?
TD Bank, with 1. Citizens has 1 and M&T Bank has 1.
Is there a TD Bank in Ludlow, MA?
Yes. FDIC data lists 1 TD Bank branch in Ludlow as of September 5, 2026. The address and directions are under TD Bank above.
Is there a Citizens in Ludlow, MA?
Yes. FDIC data lists 1 Citizens branch in Ludlow as of September 5, 2026. The address and directions are under Citizens above.
Is there a M&T Bank in Ludlow, MA?
Yes. FDIC data lists 1 M&T Bank branch in Ludlow as of September 5, 2026. The address and directions are under M&T Bank above.
Is there a Chase in Ludlow, MA?
No. FDIC data lists no Chase branch in Ludlow as of September 5, 2026. The nearest is in Springfield, about 2 miles away in a straight line.
Which banks in Ludlow are open on Saturday?
TD Bank, Citizens, M&T Bank and Freedom Credit Union and 1 more publish Saturday hours for one or more Ludlow 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.
Which banks are headquartered in Ludlow?
Luso Credit Union has its main office in Ludlow, according to the FDIC and the NCUA.
What is the oldest bank in Ludlow?
KeyBank has the longest record among banks with a branch here: the FDIC shows it operating since 1849.
Which credit unions can I join in Ludlow?
Freedom Credit Union and Luso Credit Union have offices in Ludlow. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Ludlow 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 Ludlow?
Nearby cities with more banks include Wilbraham, Chicopee, Springfield. Wilbraham is 2 miles away with 2 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 2 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 (4 of 8 branches: Citizens, KeyBank, M&T Bank, TD Bank) | 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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