US Bank Directory
Banks in Cumberland, MD
4 FDIC-insured banks operate 6 offices in Cumberland, Maryland, and 4 credit unions have 13 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: Cumberland
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: 8 banks and credit unions operate 19 locations in Cumberland, according to the FDIC and the NCUA. 17 of them have coordinates on record and are on the map. 14 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
17 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 Cumberland
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Dollar Bank and First United Bank & Trust have the most locations in Cumberland, with 2 each. 2 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.
Chessie Credit Union Credit union · 5
Chessie Credit Union has 5 officees in Cumberland, 7 across Maryland. It is based in Cumberland, MD and $433.2 million in assets on March 31, 2026, according to its NCUA call report. 4 of its 5 Cumberland locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office15 Commerce Dr, 21502
All hours
Mon 9 am to 4:30 pm; Tue to Thu not published; Fri to Sat 9 am to 4:30 pm; Sun not published
Hours: NCUA, March 31, 2026
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Drive Thru122 W Union St, 21502
All hours
Mon to Fri 8 am to 6 pm; Sat 8 am to 12:30 pm; Sun not published
Hours: NCUA, March 31, 2026
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Messick Road12401 Messick Road Se, 21502
All hours
Mon to Fri 8 am to 6 pm; Sat 8 am to 12:30 pm; Sun not published
Hours: NCUA, March 31, 2026
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Wmhs12501 Willowbrook Rd, 21502
All hours
Mon to Fri 9 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Greene Street321 Greene St, 21502
All hours
Mon to Wed 9 am to 5 pm; Thu to Fri 9 am to 6 pm; Sat 9 am to 12:30 pm; Sun not published
Hours: NCUA, March 31, 2026
First Peoples Community Credit Union Credit union · 5
First Peoples Community Credit Union has 5 officees in Cumberland, 13 across Maryland. It is based in Cumberland, MD and $659.9 million in assets on March 31, 2026, according to its NCUA call report. 4 of its 5 Cumberland locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office153 Baltimore St, 21502
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Spring Street105 Spring Street, 21502
All hours
Mon to Fri not published; Sat 7 am to 6 pm; Sun not published
Hours: NCUA, March 31, 2026
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Industrial Boulevard12505 Evitts Creek Dr Se, 21502
All hours
Mon to Fri 8 am to 6 pm; Sat 8 am to 3 pm; Sun not published
Hours: NCUA, March 31, 2026
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Mechanic Street417 N Mechanic St, 21502
All hours
Mon to Fri not published; Sat 7 am to 6 pm; Sun not published
Hours: NCUA, March 31, 2026
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Queen City Drive54 Queen City Dr, 21502
All hours
Mon to Fri 8 am to 6 pm; Sat 8 am to 3 pm; Sun not published
Hours: NCUA, March 31, 2026
Dollar Bank Bank · 2
Dollar Bank has 2 branches in Cumberland, 2 across Maryland and 91 nationwide. FDIC records list its main office in Pittsburgh, PA and show it operating since 1984. With $12.70 billion in total assets on June 30, 2026, it ranks No. 140 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Cumberland location is the Lavale Branch at 1275 National Hwy, dating to 1997; the newest, at 200 N Mechanic St, to 2003. It does not publish hours in the sources this page uses; check its site before you go.
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Lavale Branch1275 National Hwy, 21502
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Cumberland Branch200 N Mechanic St, 21502
First United Bank & Trust Bank · 2
First United Bank & Trust has 2 branches in Cumberland, 15 across Maryland and 23 nationwide. FDIC records list its main office in Oakland, MD and show it operating since 1900. With $2.05 billion in total assets on June 30, 2026, it ranks No. 595 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Cumberland location is the Center City Branch at Centre And Harrison Streets, dating to 1973; the newest, at 14300 Barton Blvd Sw, to 1985. It does not publish hours in the sources this page uses; check its site before you go.
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Bel Air Branch14300 Barton Blvd Sw, 21502
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Center City BranchCentre And Harrison Streets, 21502
Wepco Credit Union Credit union · 2
Wepco Credit Union has 2 officees in Cumberland, 6 across Maryland. It is based in Bloomington, MD and $397.3 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Cumberland locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Oldtown Rd Branch1101 E Oldtown Rd, 21502
All hours
Mon to Tue 9 am to 5 pm; Wed 9 am to 2 pm; Thu to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Paca Branch215 Paca St, 21502
All hours
Mon to Tue 9 am to 5 pm; Wed 9 am to 2 pm; Thu to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Act 1st Credit Union Credit union · 1
Act 1st Credit Union has 1 office in Cumberland, 2 across Maryland. It is based in LaVale, MD and $150.3 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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Messick11905 Messick Rd Se, 21502
All hours
Mon to Fri 9 am to 5 pm; Sat closed; Sun not published
Hours: NCUA, March 31, 2026
M&T Bank Bank · 1
M&T Bank has 1 branch in Cumberland, 152 across Maryland 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 Downtown Cumberland Branch at 166 Baltimore St dates to 1975 in FDIC branch records. It opens on Saturday.
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Downtown Cumberland Branch166 Baltimore St, 21502
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
Truist Bank · 1
Truist has 1 branch in Cumberland, 138 across Maryland and 1,931 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1872. With $548.35 billion in total assets on June 30, 2026, it ranks No. 9 of 4,232 U.S. banks by total assets. The George Street Drive-Thru Branch at 19 S George St dates to 2016 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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George Street Drive-Thru Branch19 S George St, 21502
Join a credit union in Cumberland
4 credit unions have 13 offices here: First Peoples Community Credit Union, Chessie Credit Union, Wepco Credit Union and Act 1st 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 Cumberland page has every office in the state's directory.
Banking in Cumberland: the local picture
Short answer: 4 banks run 6 branches in Cumberland 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 Cumberland, 1 elsewhere in Maryland and 3 out of state, according to the FDIC.
The bank with the longest record here is M&T Bank, operating since 1856 according to the FDIC. In FDIC branch records, the longest-running branch is First United Bank & Trust's office at Centre And Harrison Streets, dating to 1973; the newest is Truist's at 19 S George St, from 2016.
4 credit unions have 13 offices in Cumberland, according to the NCUA. Who can join each one is on the credit unions page.
Of the 14 locations with published hours. 9 open on Saturday. 5 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Cumberland
Short answer: 9 of the 14 Cumberland locations with published hours open on Saturday, run by 3 institutions.
- M&T Bank: 1 of 1 branch (166 Baltimore St: Saturday 9 am to 12 pm)
- First Peoples Community Credit Union: 4 of 5 offices (105 Spring Street: Saturday 7 am to 6 pm, and 3 more)
- Chessie Credit Union: 4 of 5 offices (15 Commerce Dr: Saturday 9 am to 4:30 pm, and 3 more)
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; 5 of the 19 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 Cumberland, and where the nearest one is if they do not.
Short answer: In Cumberland: Truist (1). No branches in Cumberland: Chase (nearest in Frederick, 77 mi), Wells Fargo (nearest in Frederick, 76 mi), Bank of America (nearest in Frederick, 74 mi), PNC Bank (nearest in Hagerstown, 56 mi), U.S. Bank, Fifth Third Bank, Huntington, Regions Bank, TD Bank (nearest in Germantown, 88 mi), BMO.
| Bank | In Cumberland | Nearest branch if none here |
|---|---|---|
| Truist | 1 branch | here |
| Chase | None | Frederick, 77 miles away |
| Wells Fargo | None | Frederick, 76 miles away |
| Bank of America | None | Frederick, 74 miles away |
| PNC Bank | None | Hagerstown, 56 miles away |
| U.S. Bank | None | none in Maryland |
| Fifth Third Bank | None | none in Maryland |
| Huntington | None | none in Maryland |
| Regions Bank | None | none in Maryland |
| TD Bank | None | Germantown, 88 miles away |
| BMO | None | none in Maryland |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Cumberland to the nearest branch in Maryland.
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 Cumberland residents like anyone else.
Banks near Cumberland
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Frostburg (6 miles) and Grantsville (18 miles). Hagerstown, 58 miles away, has the most banks nearby: 12.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Frostburg, MD | 6 mi | 3 | 4 |
| Banks in Grantsville, MD | 18 mi | 3 | 3 |
| Banks in Hancock, MD | 34 mi | 2 | 2 |
| Banks in Oakland, MD | 35 mi | 5 | 6 |
| Banks in Hagerstown, MD | 58 mi | 12 | 30 |
| Banks in Boonsboro, MD | 62 mi | 4 | 4 |
| Banks in Myersville, MD | 66 mi | 2 | 2 |
| Banks in Middletown, MD | 69 mi | 2 | 2 |
Bank branch openings and closings in Cumberland
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Cumberland 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 Cumberland
Short answer: 2 institutions have their main office in Cumberland: First Peoples Community Credit Union and Chessie Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| First Peoples Community Credit Union | Credit union | $659.9 million | 5 |
| Chessie Credit Union | Credit union | $433.2 million | 5 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Cumberland by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Cumberland offices.
Short answer: Truist is the largest bank with offices in Cumberland, with $548.35 billion in total assets on June 30, 2026, No. 9 among U.S. banks by total assets. M&T Bank is second with $218.79 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| M&T Bank | $218.79 billion | No. 21 | 1 | Buffalo, NY |
| Dollar Bank | $12.70 billion | No. 140 | 2 | Pittsburgh, PA |
| First United Bank & Trust | $2.05 billion | No. 595 | 2 | Oakland, MD |
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 Cumberland: FAQ
How many banks are in Cumberland, MD?
Cumberland has 4 banks with 6 branches and 4 credit unions with 13 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 Cumberland?
Dollar Bank, with 2. First United Bank & Trust has 2 and Truist has 1.
Is there a Dollar Bank in Cumberland, MD?
Yes. FDIC data lists 2 Dollar Bank branches in Cumberland as of September 5, 2026. Its branches are listed under Dollar Bank above, with the address and directions for each.
Is there a First United Bank & Trust in Cumberland, MD?
Yes. FDIC data lists 2 First United Bank & Trust branches in Cumberland as of September 5, 2026. Its branches are listed under First United Bank & Trust above, with the address and directions for each.
Is there a Truist in Cumberland, MD?
Yes. FDIC data lists 1 Truist branch in Cumberland as of September 5, 2026. The address and directions are under Truist above.
Is there a Chase in Cumberland, MD?
No. FDIC data lists no Chase branch in Cumberland as of September 5, 2026. The nearest is in Frederick, about 77 miles away in a straight line.
Which banks in Cumberland are open on Saturday?
M&T Bank, First Peoples Community Credit Union and Chessie Credit Union publish Saturday hours for one or more Cumberland locations. The Saturday section above lists each one with its hours. 5 of the 19 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Cumberland?
First Peoples Community Credit Union and Chessie Credit Union have their main office in Cumberland, according to the FDIC and the NCUA.
What is the oldest bank in Cumberland?
M&T Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1856.
Which credit unions can I join in Cumberland?
First Peoples Community Credit Union, Chessie Credit Union, Wepco Credit Union and Act 1st Credit Union have offices in Cumberland. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Cumberland 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 Cumberland?
Nearby cities with more banks include Frostburg, Grantsville, Hancock. Frostburg is 6 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 11 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 6 branches: M&T 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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