US Bank Directory
Banks in North Reading, MA
4 FDIC-insured banks operate 4 offices in North Reading, 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; hours checked October 10, 2026.
Bank branch map: North Reading
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: 5 banks and credit unions operate 5 locations in North Reading, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
5 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 North Reading
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 4 banks share the most locations in North Reading, with 1 each. 4 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.
Citizens Bank · 1
Citizens has 1 branch in North Reading, 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 North Reading Branch at 72 Main St dates to 1969 in FDIC branch records. It opens on Saturday.
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North Reading Branch72 Main St, 01864
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
Middlesex-essex Postal Employees Credit Union Credit union · 1
Middlesex-essex Postal Employees Credit Union has 1 office in North Reading, 1 across Massachusetts. It is based in North Reading, MA and $4.9 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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Main Office main office76 Main St, 01889
All hours
Mon 3 pm to 5:30 pm; Tue not published; Wed 3 pm to 5:30 pm; Thu not published; Fri 3 pm to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Reading Co-operative Bank Bank · 1
Reading Co-operative Bank has 1 branch in North Reading, 13 across Massachusetts and 13 nationwide. FDIC records list its main office in Reading, MA and show it operating since 1886. With $1.19 billion in total assets on June 30, 2026, it ranks No. 904 of 4,232 U.S. banks by total assets. The North Reading Branch at 170 Park 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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North Reading Branch170 Park St, 01864
The Savings Bank Bank · 1
The Savings Bank has 1 branch in North Reading, 8 across Massachusetts and 9 nationwide. FDIC records list its main office in Wakefield, MA and show it operating since 1869. With $891.0 million in total assets on June 30, 2026, it ranks No. 1,161 of 4,232 U.S. banks by total assets. The North Reading Branch at 6 Washington St dates to 2005 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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North Reading Branch6 Washington St, 01864
Winter Hill Bank, FSB Bank · 1
Winter Hill Bank, FSB has 1 branch in North Reading, 3 across Massachusetts and 3 nationwide. FDIC records list its main office in Somerville, MA and show it operating since 1906. With $407.9 million in total assets on June 30, 2026, it ranks No. 2,051 of 4,232 U.S. banks by total assets. The 265Mainstreet Branch at 271 Main St dates to 1906 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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265Mainstreet Branch271 Main St, 01864
Join a credit union in North Reading
1 credit union has 1 office here: Middlesex-essex Postal Employees 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 North Reading page has every office in the state's directory.
Banking in North Reading: the local picture
Short answer: 4 banks run 4 branches in North Reading 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 North Reading, 3 elsewhere in Massachusetts and 1 out of state, according to the FDIC.
The bank with the longest record here is The Savings Bank, operating since 1869 according to the FDIC. In FDIC branch records, the longest-running branch is Winter Hill Bank, FSB's office at 271 Main St, dating to 1906; the newest is The Savings Bank's at 6 Washington St, from 2005.
The only credit union with an office here is Middlesex-essex Postal Employees Credit Union.
Of the 2 locations with published hours. 1 opens on Saturday. 3 locations have no published hours in these sources.
Banks by ZIP code in North Reading
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 01864 has the most bank and credit union offices in North Reading (4), followed by 01889 (1). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 01864 | 4 | 4 | Citizens, Reading Co-operative Bank, The Savings Bank |
| 01889 | 1 | 1 | Middlesex-essex Postal Employees Credit Union |
Banks open on Saturday in North Reading
Short answer: 1 of the 2 North Reading locations with published hours opens on Saturday, run by 1 institution.
- Citizens: 1 of 1 branch (72 Main 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; 3 of the 5 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 North Reading, and where the nearest one is if they do not.
Short answer: No branches in North Reading: Chase (nearest in Reading, 4 mi), Wells Fargo (nearest in Boston, 16 mi), Bank of America (nearest in Reading, 4 mi), PNC Bank (nearest in Lynnfield, 5 mi), U.S. Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank (nearest in Middleton, 5 mi), BMO.
| Bank | In North Reading | Nearest branch if none here |
|---|---|---|
| Chase | None | Reading, 4 miles away |
| Wells Fargo | None | Boston, 16 miles away |
| Bank of America | None | Reading, 4 miles away |
| PNC Bank | None | Lynnfield, 5 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 | Middleton, 5 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 North Reading 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 North Reading residents like anyone else.
Banks near North Reading
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Reading (4 miles) and Wilmington (4 miles). Woburn, 7 miles away, has the most banks nearby: 13.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Reading, MA | 4 mi | 9 | 11 |
| Banks in Wilmington, MA | 4 mi | 9 | 9 |
| Banks in Middleton, MA | 5 mi | 7 | 7 |
| Banks in Lynnfield, MA | 5 mi | 7 | 8 |
| Banks in Wakefield, MA | 5 mi | 5 | 8 |
| Banks in Andover, MA | 6 mi | 11 | 11 |
| Banks in Stoneham, MA | 6 mi | 5 | 6 |
| Banks in Woburn, MA | 7 mi | 13 | 21 |
Bank branch openings and closings in North Reading
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in North Reading 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 North Reading
Short answer: 1 institution has its main office in North Reading: Middlesex-essex Postal Employees Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Middlesex-essex Postal Employees Credit Union | Credit union | $4.9 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in North Reading by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its North Reading offices.
Short answer: Citizens is the largest bank with offices in North Reading, with $232.52 billion in total assets on June 30, 2026, No. 20 among U.S. banks by total assets. Reading Co-operative Bank is second with $1.19 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 |
| Reading Co-operative Bank | $1.19 billion | No. 904 | 1 | Reading, MA |
| The Savings Bank | $891.0 million | No. 1,161 | 1 | Wakefield, MA |
| Winter Hill Bank, FSB | $407.9 million | No. 2,051 | 1 | Somerville, 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 North Reading: FAQ
How many banks are in North Reading, MA?
North Reading has 4 banks with 4 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 North Reading?
Citizens, with 1. Reading Co-operative Bank has 1 and The Savings Bank has 1.
Is there a Citizens in North Reading, MA?
Yes. FDIC data lists 1 Citizens branch in North Reading as of September 5, 2026. The address and directions are under Citizens above.
Is there a Reading Co-operative Bank in North Reading, MA?
Yes. FDIC data lists 1 Reading Co-operative Bank branch in North Reading as of September 5, 2026. The address and directions are under Reading Co-operative Bank above.
Is there a The Savings Bank in North Reading, MA?
Yes. FDIC data lists 1 The Savings Bank branch in North Reading as of September 5, 2026. The address and directions are under The Savings Bank above.
Is there a Chase in North Reading, MA?
No. FDIC data lists no Chase branch in North Reading as of September 5, 2026. The nearest is in Reading, about 4 miles away in a straight line.
Which banks in North Reading are open on Saturday?
Citizens publishes Saturday hours for one or more North Reading locations. The Saturday section above lists each one with its hours. 3 of the 5 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in North Reading?
Middlesex-essex Postal Employees Credit Union has its main office in North Reading, according to the FDIC and the NCUA.
What is the oldest bank in North Reading?
The Savings Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1869.
Which credit unions can I join in North Reading?
Middlesex-essex Postal Employees Credit Union has an office in North Reading. Check each credit union's membership rules before you apply.
Did any bank branches open or close in North Reading 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 North Reading?
Nearby cities with more banks include Reading, Wilmington, Middleton. Reading is 4 miles away with 9 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 |
| Bank branch hours, phones and branch pages (1 of 4 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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