US Bank Directory
Banks in Germantown, MD
10 FDIC-insured banks operate 13 offices in Germantown, Maryland, and 4 credit unions have 4 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: Germantown
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: 14 banks and credit unions operate 17 locations in Germantown, according to the FDIC and the NCUA. 16 of them have coordinates on record and are on the map. 15 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
16 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 Germantown
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Bank of America, Capital One and M&T Bank have the most locations in Germantown, with 2 each. 7 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.
Bank of America Bank · 2
Bank of America has 2 branches in Germantown, 114 across Maryland and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Germantown location is the Germantown Branch at 19707 Germantown Rd, dating to 1958; the newest, at 20670 Seneca Meadows Pkwy, to 2015. 1 of its 2 Germantown locations with published hours open on Saturday.
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Germantown Branch19707 Germantown Rd, 20874
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
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Seneca Meadows Branch20670 Seneca Meadows Pkwy, 20876
All hours
Mon closed; Tue to Fri 9 am to 4 pm; Sat to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Capital One Bank · 2
Capital One has 2 branches in Germantown, 41 across Maryland and 249 nationwide. FDIC records list its main office in Mclean, VA and show it operating since 1933. With $662.16 billion in total assets on June 30, 2026, it ranks No. 7 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Germantown location is the Frederick Road Branch at 21117 Frederick Rd, dating to 2003; the newest, at 19801 Century Blvd, to 2009. All 2 of its Germantown locations with published hours open on Saturday.
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Germantown Tc Branch19801 Century Blvd, 20874
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun closed
Hours: Capital One branch locator (All The Places), checked Oct 10, 2026
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Frederick Road Branch21117 Frederick Rd, 20876
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun closed
Hours: Capital One branch locator (All The Places), checked Oct 10, 2026
M&T Bank Bank · 2
M&T Bank has 2 branches in Germantown, 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. In FDIC branch records, its longest-running Germantown location is the Germantown Branch at 12914 Middlebrook Rd, dating to 1973; the newest, at 21006 Frederick Rd, to 1997. All 2 of its Germantown locations with published hours open on Saturday.
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Germantown Branch12914 Middlebrook Rd, 20874
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
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Milestone Branch21006 Frederick Rd, 20876
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
Atlantic Union Bank Bank · 1
Atlantic Union Bank has 1 branch in Germantown, 39 across Maryland and 184 nationwide. FDIC records list its main office in Richmond City, VA and show it operating since 1997. With $38.02 billion in total assets on June 30, 2026, it ranks No. 59 of 4,232 U.S. banks by total assets. The Milestone Community Branch at 20930 Frederick Rd dates to 1997 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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Milestone Community Branch20930 Frederick Rd, 20876
Chase Bank · 1
Chase has 1 branch in Germantown, 56 across Maryland and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. The Germantown E Frederick Road at 21111 Frederick Rd dates to 2019 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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Germantown E Frederick Road21111 Frederick Rd, 20876
Educational Systems Credit Union Credit union · 1
Educational Systems Credit Union has 1 office in Germantown, 14 across Maryland. It is based in Greenbelt, MD and $1.36 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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Germantown19215 Frederick Rd, 20876
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
FNB Bank · 1
FNB has 1 branch in Germantown, 30 across Maryland and 361 nationwide. FDIC records list its main office in Greenville, PA and show it operating since 1864. With $50.80 billion in total assets on June 30, 2026, it ranks No. 50 of 4,232 U.S. banks by total assets. The Germantown Branch at 19790 Crystal Rock Dr dates to 1861 in FDIC branch records. It opens on Saturday.
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Germantown Branch19790 Crystal Rock Dr, 20874
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun closed
Hours: FNB branch locator (All The Places), checked Oct 10, 2026
Mid-atlantic Credit Union Credit union · 1
Mid-atlantic Credit Union has 1 office in Germantown, 4 across Maryland. It is based in Germantown, MD and $448.4 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 office12820 Wisteria Dr, 20874
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Navy Federal Credit Union Credit union · 1
Navy Federal Credit Union has 1 office in Germantown, 25 across Maryland. It is based in Vienna, VA and $203.56 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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Germantown Md11534 Middlebrook Rd, 20876
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
PNC Bank Bank · 1
PNC Bank has 1 branch in Germantown, 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 Germantown Branch at 13074 Middlebrook Rd dates to 2009 in FDIC branch records. It opens on Saturday.
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Germantown Branch13074 Middlebrook Rd, 20874
All hours
Mon to Tue not published; Wed to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
Skypoint Credit Union Credit union · 1
Skypoint Credit Union has 1 office in Germantown, 3 across Maryland. It is based in Germantown, MD and $249.8 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 office19785 Crystal Rock Dr Ste 201, 20874
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
TD Bank Bank · 1
TD Bank has 1 branch in Germantown, 17 across Maryland 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 Germantown Branch at 19905 Century Blvd dates to 2007 in FDIC branch records. It opens on Saturday.
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Germantown Branch19905 Century Blvd, 20874
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
Truist Bank · 1
Truist has 1 branch in Germantown, 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 Germantown Branch at 19941 Century Blvd dates to 2002 in FDIC branch records. It opens on Saturday.
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Germantown Branch19941 Century Blvd, 20874
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: Truist branch locator (All The Places), checked Oct 10, 2026
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Germantown, 73 across Maryland and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. The Germantown Branch at 19708 Germantown Rd dates to 2000 in FDIC branch records. It opens on Saturday.
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Germantown Branch19708 Germantown Rd, 20874
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Germantown
4 credit unions have 4 offices here: Navy Federal Credit Union, Educational Systems Credit Union, Mid-atlantic Credit Union and Skypoint 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 Germantown page has every office in the state's directory.
Banking in Germantown: the local picture
Short answer: 10 banks run 13 branches in Germantown 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 10 banks, 0 have their main office in Germantown and 10 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 FNB's office at 19790 Crystal Rock Dr, dating to 1861; the newest is Chase's at 21111 Frederick Rd, from 2019.
4 credit unions have 4 offices in Germantown, according to the NCUA. Who can join each one is on the credit unions page.
Of the 15 locations with published hours. 12 open on Saturday. 2 locations have no published hours in these sources.
Banks by ZIP code in Germantown
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 20874 has the most bank and credit union offices in Germantown (10), followed by 20876 (7). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 20874 | 10 | 10 | Bank of America, Capital One, FNB |
| 20876 | 7 | 7 | Atlantic Union Bank, Bank of America, Capital One |
Banks and credit unions open on Saturday in Germantown
Short answer: 12 of the 15 Germantown locations with published hours open on Saturday, run by 10 institutions.
- Bank of America: 1 of 2 branches (19707 Germantown Rd: Saturday 9 am to 2 pm)
- Capital One: 2 of 2 branches (19801 Century Blvd: Saturday 9 am to 12 pm, and 1 more)
- M&T Bank: 2 of 2 branches (12914 Middlebrook Rd: Saturday 9 am to 12 pm, and 1 more)
- Wells Fargo: 1 of 1 branch (19708 Germantown Rd: Saturday 9 am to 2 pm)
- PNC Bank: 1 of 1 branch (13074 Middlebrook Rd: Saturday 9 am to 1 pm)
- Truist: 1 of 1 branch (19941 Century Blvd: Saturday 9 am to 12 pm)
- TD Bank: 1 of 1 branch (19905 Century Blvd: Saturday 9 am to 1 pm)
- FNB: 1 of 1 branch (19790 Crystal Rock Dr: Saturday 9 am to 12 pm)
- Navy Federal Credit Union: 1 of 1 office (11534 Middlebrook Rd: Saturday 9 am to 2 pm)
- Educational Systems Credit Union: 1 of 1 office (19215 Frederick Rd: Saturday 9 am to 2 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; 2 of the 17 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 Germantown, and where the nearest one is if they do not.
Short answer: In Germantown: Chase (1), Wells Fargo (1), Bank of America (2), PNC Bank (1), Truist (1), TD Bank (1). No branches in Germantown: U.S. Bank, Fifth Third Bank, Huntington, Regions Bank, BMO.
| Bank | In Germantown | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| Wells Fargo | 1 branch | here |
| Bank of America | 2 branches | here |
| PNC Bank | 1 branch | here |
| Truist | 1 branch | here |
| TD Bank | 1 branch | here |
| 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 |
| BMO | None | none in Maryland |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Germantown 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 Germantown residents like anyone else.
Banks near Germantown
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Montgomery Village (3 miles) and Gaithersburg (4 miles). Rockville, 10 miles away, has the most banks nearby: 21.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Montgomery Village, MD | 3 mi | 2 | 2 |
| Banks in Gaithersburg, MD | 4 mi | 11 | 28 |
| Banks in Damascus, MD | 7 mi | 3 | 3 |
| Banks in Rockville, MD | 10 mi | 21 | 42 |
| Banks in Olney, MD | 11 mi | 8 | 8 |
| Banks in Potomac, MD | 12 mi | 12 | 17 |
| Banks in Ijamsville, MD | 12 mi | 2 | 2 |
| Banks in Mount Airy, MD | 13 mi | 7 | 7 |
Bank branch openings and closings in Germantown
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Germantown 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 Germantown
Short answer: 2 institutions have their main office in Germantown: Mid-atlantic Credit Union and Skypoint Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Mid-atlantic Credit Union | Credit union | $448.4 million | 1 |
| Skypoint Credit Union | Credit union | $249.8 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Germantown by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Germantown offices.
Short answer: Chase is the largest bank with offices in Germantown, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Bank of America is second with $2.65 trillion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 1 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 2 | Charlotte, NC |
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| Capital One | $662.16 billion | No. 7 | 2 | Mclean, VA |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| TD Bank | $342.80 billion | No. 13 | 1 | Wilmington, DE |
| M&T Bank | $218.79 billion | No. 21 | 2 | Buffalo, NY |
| FNB | $50.80 billion | No. 50 | 1 | Greenville, PA |
| Atlantic Union Bank | $38.02 billion | No. 59 | 1 | Richmond City, VA |
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 Germantown: FAQ
How many banks are in Germantown, MD?
Germantown has 10 banks with 13 branches and 4 credit unions with 4 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 Germantown?
Bank of America, with 2. Capital One has 2 and M&T Bank has 2.
Is there a Bank of America in Germantown, MD?
Yes. FDIC data lists 2 Bank of America branches in Germantown as of September 5, 2026. Its branches are listed under Bank of America above, with the address and directions for each.
Is there a Capital One in Germantown, MD?
Yes. FDIC data lists 2 Capital One branches in Germantown as of September 5, 2026. Its branches are listed under Capital One above, with the address and directions for each.
Is there a M&T Bank in Germantown, MD?
Yes. FDIC data lists 2 M&T Bank branches in Germantown as of September 5, 2026. Its branches are listed under M&T Bank above, with the address and directions for each.
Which banks in Germantown are open on Saturday?
Bank of America, Capital One, M&T Bank and Wells Fargo and 6 more publish Saturday hours for one or more Germantown locations. The Saturday section above lists each one with its hours. 2 of the 17 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Germantown?
Mid-atlantic Credit Union and Skypoint Credit Union have their main office in Germantown, according to the FDIC and the NCUA.
What is the oldest bank in Germantown?
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 Germantown?
Navy Federal Credit Union, Educational Systems Credit Union, Mid-atlantic Credit Union and Skypoint Credit Union have offices in Germantown. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Germantown 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 Germantown?
Nearby cities with more banks include Montgomery Village, Gaithersburg, Damascus. Montgomery Village is 3 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 3 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 (11 of 13 branches: Bank of America, Capital One, FNB, M&T Bank, PNC Bank, TD Bank and 2 more) | 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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