US Bank Directory
Banks in Elkton, MD
4 FDIC-insured banks operate 6 offices in Elkton, Maryland, and 6 credit unions have 7 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: Elkton
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 13 locations in Elkton, according to the FDIC and the NCUA. 13 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
13 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 Elkton
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: The Ephrata National Bank and Harford Bank have the most locations in Elkton, 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.
Aberdeen Proving Ground Credit Union Credit union · 2
Aberdeen Proving Ground Credit Union has 2 officees in Elkton, 18 across Maryland. It is based in Aberdeen, MD and $2.65 billion in assets on March 31, 2026, according to its NCUA call report. All 2 of its Elkton locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Elkton Branch1204 E Pulaski Hwy, 21921
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6:30 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
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North East Branch2011 W Pulaski Hwy, 21921
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6:30 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Harford Bank Bank · 2
Harford Bank has 2 branches in Elkton, 9 across Maryland and 9 nationwide. FDIC records list its main office in Aberdeen, MD and show it operating since 1964. With $776.6 million in total assets on June 30, 2026, it ranks No. 1,288 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Elkton location is the Elkton Branch at 133 N Bridge St, dating to 2007; the newest, at 305 Augustine Herman Hwy, to 2020. It does not publish hours in the sources this page uses; check its site before you go.
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Elkton Branch133 N Bridge St, 21921
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Southfield Branch305 Augustine Herman Hwy, 21921
The Ephrata National Bank Bank · 2
The Ephrata National Bank has 2 branches in Elkton, 4 across Maryland and 23 nationwide. FDIC records list its main office in Ephrata, PA and show it operating since 1881. With $2.39 billion in total assets on June 30, 2026, it ranks No. 518 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Elkton location is the Fair Hill Branch at 4434 Telegraph Rd, dating to 2008; the newest, at 127 North St, to 2026. It does not publish hours in the sources this page uses; check its site before you go.
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Cecil Bank Branch127 North St, 21921
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Fair Hill Branch4434 Telegraph Rd, 21921
Dexsta Credit Union Credit union · 1
Dexsta Credit Union has 1 office in Elkton, 1 across Maryland. It is based in Wilmington, DE and $435.5 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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Elkton Branch975 E Pulaski Hwy, 21921
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Edu Credit Union Credit union · 1
Edu Credit Union has 1 office in Elkton, 1 across Maryland. It is based in New Castle, DE and $44.1 million in assets on March 31, 2026, according to its NCUA call report. It does not publish hours in the sources this page uses; check its site before you go.
Who can join: see the credit union's site.
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Disaster Recovery203 Booth St, 21921
First Financial of Maryland Credit Union Credit union · 1
First Financial of Maryland Credit Union has 1 office in Elkton, 10 across Maryland. It is based in Sparks, MD and $1.42 billion 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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Elkton203 Booth St, 21921
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Fulton Bank Bank · 1
Fulton Bank has 1 branch in Elkton, 20 across Maryland and 208 nationwide. FDIC records list its main office in Lancaster, PA and show it operating since 1882. With $32.56 billion in total assets on June 30, 2026, it ranks No. 67 of 4,232 U.S. banks by total assets. The Elkton Main Branch at 130 North St dates to 1923 in FDIC branch records. It opens on Saturday.
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Elkton Main Branch130 North St, 21921
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: Fulton Bank branch locator (All The Places), checked Oct 10, 2026
PNC Bank Bank · 1
PNC Bank has 1 branch in Elkton, 115 across Maryland and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. The Big Elk Mall Branch at 100 Big Elk Mall dates to 1977 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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Big Elk Mall Branch100 Big Elk Mall, 21921
Provident Credit Union Credit union · 1
Provident Credit Union has 1 office in Elkton, 1 across Maryland. It is based in Dover, DE and $12.0 million in assets on March 31, 2026, according to its NCUA call report. It does not publish hours in the sources this page uses; check its site before you go.
Who can join: see the credit union's site.
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First Financial Federal Credit Union203 Booth St, 21921
Thiokol Elkton Credit Union Credit union · 1
Thiokol Elkton Credit Union has 1 office in Elkton, 1 across Maryland. It is based in Elkton, MD and $24.1 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 office55 Thiokol Rd, 21921
All hours
Mon 8 am to 4 pm; Tue to Thu not published; Fri 8 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Elkton
6 credit unions have 7 offices here: Aberdeen Proving Ground Credit Union, First Financial of Maryland Credit Union, Dexsta Credit Union, Edu Credit Union, Thiokol Elkton Credit Union and Provident 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 Elkton page has every office in the state's directory.
Banking in Elkton: the local picture
Short answer: 4 banks run 6 branches in Elkton 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 Elkton, 1 elsewhere in Maryland and 3 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is Fulton Bank's office at 130 North St, dating to 1923; the newest is The Ephrata National Bank's at 127 North St, from 2026.
6 credit unions have 7 offices in Elkton, according to the NCUA. Who can join each one is on the credit unions page.
Of the 6 locations with published hours. 3 open on Saturday. 7 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Elkton
Short answer: 3 of the 6 Elkton locations with published hours open on Saturday, run by 2 institutions.
- Fulton Bank: 1 of 1 branch (130 North St: Saturday 9 am to 12 pm)
- Aberdeen Proving Ground Credit Union: 2 of 2 offices (1204 E Pulaski Hwy: Saturday 9 am to 1 pm, and 1 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; 7 of the 13 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 Elkton, and where the nearest one is if they do not.
Short answer: In Elkton: PNC Bank (1). No branches in Elkton: Chase (nearest in Bel Air, 28 mi), Wells Fargo (nearest in Abingdon, 28 mi), Bank of America (nearest in Aberdeen, 19 mi), U.S. Bank, Truist (nearest in Rising Sun, 13 mi), Fifth Third Bank, Huntington, Regions Bank, TD Bank (nearest in Bel Air, 28 mi), BMO.
| Bank | In Elkton | Nearest branch if none here |
|---|---|---|
| PNC Bank | 1 branch | here |
| Chase | None | Bel Air, 28 miles away |
| Wells Fargo | None | Abingdon, 28 miles away |
| Bank of America | None | Aberdeen, 19 miles away |
| U.S. Bank | None | none in Maryland |
| Truist | None | Rising Sun, 13 miles away |
| Fifth Third Bank | None | none in Maryland |
| Huntington | None | none in Maryland |
| Regions Bank | None | none in Maryland |
| TD Bank | None | Bel Air, 28 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 Elkton 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 Elkton residents like anyone else.
Banks near Elkton
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are North East (6 miles) and Rising Sun (13 miles). Bel Air, 28 miles away, has the most banks nearby: 11.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in North East, MD | 6 mi | 2 | 2 |
| Banks in Rising Sun, MD | 13 mi | 4 | 4 |
| Banks in Havre De Grace, MD | 16 mi | 2 | 2 |
| Banks in Aberdeen, MD | 19 mi | 5 | 5 |
| Banks in Abingdon, MD | 27 mi | 7 | 7 |
| Banks in Bel Air, MD | 28 mi | 11 | 15 |
| Banks in Edgewood, MD | 29 mi | 2 | 2 |
| Banks in Forest Hill, MD | 29 mi | 6 | 6 |
Bank branch openings and closings in Elkton
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 1 branch opening in Elkton between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Feb 1, 2026 | Opened | The Ephrata National Bank | 127 North St, 21921 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Banks and credit unions based in Elkton
Short answer: 1 institution has its main office in Elkton: Thiokol Elkton Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Thiokol Elkton Credit Union | Credit union | $24.1 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Elkton by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Elkton offices.
Short answer: PNC Bank is the largest bank with offices in Elkton, with $609.77 billion in total assets on June 30, 2026, No. 8 among U.S. banks by total assets. Fulton Bank is second with $32.56 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Fulton Bank | $32.56 billion | No. 67 | 1 | Lancaster, PA |
| The Ephrata National Bank | $2.39 billion | No. 518 | 2 | Ephrata, PA |
| Harford Bank | $776.6 million | No. 1,288 | 2 | Aberdeen, 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 Elkton: FAQ
How many banks are in Elkton, MD?
Elkton has 4 banks with 6 branches and 6 credit unions with 7 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 Elkton?
The Ephrata National Bank, with 2. Harford Bank has 2 and PNC Bank has 1.
Is there a The Ephrata National Bank in Elkton, MD?
Yes. FDIC data lists 2 The Ephrata National Bank branches in Elkton as of September 5, 2026. Its branches are listed under The Ephrata National Bank above, with the address and directions for each.
Is there a Harford Bank in Elkton, MD?
Yes. FDIC data lists 2 Harford Bank branches in Elkton as of September 5, 2026. Its branches are listed under Harford Bank above, with the address and directions for each.
Is there a PNC Bank in Elkton, MD?
Yes. FDIC data lists 1 PNC Bank branch in Elkton as of September 5, 2026. The address and directions are under PNC Bank above.
Is there a Chase in Elkton, MD?
No. FDIC data lists no Chase branch in Elkton as of September 5, 2026. The nearest is in Bel Air, about 28 miles away in a straight line.
Which banks in Elkton are open on Saturday?
Fulton Bank and Aberdeen Proving Ground Credit Union publish Saturday hours for one or more Elkton locations. The Saturday section above lists each one with its hours. 7 of the 13 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Elkton?
Thiokol Elkton Credit Union has its main office in Elkton, according to the FDIC and the NCUA.
What is the oldest bank in Elkton?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in Elkton?
Aberdeen Proving Ground Credit Union, First Financial of Maryland Credit Union, Dexsta Credit Union and Edu Credit Union and 2 more have offices in Elkton. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Elkton in the past year?
FDIC branch records show 1 branch opening 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 Elkton?
Nearby cities with more banks include North East, Rising Sun, Havre De Grace. North East is 6 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 7 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: Fulton 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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