US Bank Directory
Banks in Oakland, MD
5 FDIC-insured banks operate 6 offices in Oakland, Maryland, and 2 credit unions have 3 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: Oakland
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: 7 banks and credit unions operate 9 locations in Oakland, according to the FDIC and the NCUA. 9 of them have coordinates on record and are on the map. 5 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
9 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 Oakland
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: First United Bank & Trust has the most locations in Oakland, with 2. The other 4 each 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.
First United Bank & Trust Bank · 2
First United Bank & Trust has 2 branches in Oakland, 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 Oakland location is its main office at 19 S 2nd St, dating to 1900; the newest, at 12894 Garrett Highway, to 2007. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office19 S 2nd St, 21550
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12894 Garrett Highway12894 Garrett Highway, 21550
Wepco Credit Union Credit union · 2
Wepco Credit Union has 2 officees in Oakland, 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 Oakland locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Oakland Branch12826 Garrett Hwy, 21550
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Oakland Drive-Thru130 N 4Th St, 21550
All hours
Mon to Fri 8 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Citizens Bank of West Virginia Bank · 1
Citizens Bank of West Virginia has 1 branch in Oakland, 1 across Maryland and 9 nationwide. FDIC records list its main office in Elkins, WV and show it operating since 1924. With $772.5 million in total assets on June 30, 2026, it ranks No. 1,294 of 4,232 U.S. banks by total assets. The Oakland Maryland Branch at 13164 Garrett Hwy dates to 2001 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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Oakland Maryland Branch13164 Garrett Hwy, 21550
Clear Mountain Bank Bank · 1
Clear Mountain Bank has 1 branch in Oakland, 1 across Maryland and 12 nationwide. FDIC records list its main office in Bruceton Mills, WV and show it operating since 1931. With $1.03 billion in total assets on June 30, 2026, it ranks No. 1,028 of 4,232 U.S. banks by total assets. The Oakland Branch at 12730 Garrett Hwy 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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Oakland Branch12730 Garrett Hwy, 21550
First Peoples Community Credit Union Credit union · 1
First Peoples Community Credit Union has 1 office in Oakland, 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. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Oakland12599 Garrett Hwy, 21550
All hours
Mon to Fri 8:30 am to 6:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
M&T Bank Bank · 1
M&T Bank has 1 branch in Oakland, 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 Oakland Branch at 46 S 2nd St dates to 1920 in FDIC branch records. It opens on Saturday.
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Oakland Branch46 S 2nd St, 21550
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 Oakland, 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 Oakland Branch at 305 E Oak St dates to 1998 in FDIC branch records. It opens on Saturday.
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Oakland Branch305 E Oak St, 21550
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Oakland
2 credit unions have 3 offices here: Wepco Credit Union and First Peoples Community 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 Oakland page has every office in the state's directory.
Banking in Oakland: the local picture
Short answer: 5 banks run 6 branches in Oakland 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 5 banks, 1 has its main office in Oakland and 4 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 19 S 2nd St, dating to 1900; the newest is First United Bank & Trust's at 12894 Garrett Highway, from 2007.
2 credit unions have 3 offices in Oakland, according to the NCUA. Who can join each one is on the credit unions page.
Of the 5 locations with published hours. 2 open on Saturday. 4 locations have no published hours in these sources.
Banks open on Saturday in Oakland
Short answer: 2 of the 5 Oakland locations with published hours open on Saturday, run by 2 institutions.
- Truist: 1 of 1 branch (305 E Oak St: Saturday 9 am to 12 pm)
- M&T Bank: 1 of 1 branch (46 S 2nd 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; 4 of the 9 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 Oakland, and where the nearest one is if they do not.
Short answer: In Oakland: Truist (1). No branches in Oakland: Chase (nearest in Frederick, 107 mi), Wells Fargo (nearest in Frederick, 107 mi), Bank of America (nearest in Frederick, 104 mi), PNC Bank (nearest in Hagerstown, 89 mi), U.S. Bank, Fifth Third Bank, Huntington, Regions Bank, TD Bank (nearest in Germantown, 115 mi), BMO.
| Bank | In Oakland | Nearest branch if none here |
|---|---|---|
| Truist | 1 branch | here |
| Chase | None | Frederick, 107 miles away |
| Wells Fargo | None | Frederick, 107 miles away |
| Bank of America | None | Frederick, 104 miles away |
| PNC Bank | None | Hagerstown, 89 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, 115 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 Oakland 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 Oakland residents like anyone else.
Banks near Oakland
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Grantsville (23 miles) and Frostburg (31 miles). Hagerstown, 91 miles away, has the most banks nearby: 12.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Grantsville, MD | 23 mi | 3 | 3 |
| Banks in Frostburg, MD | 31 mi | 3 | 4 |
| Banks in Cumberland, MD | 35 mi | 4 | 6 |
| Banks in Hancock, MD | 69 mi | 2 | 2 |
| Banks in Hagerstown, MD | 91 mi | 12 | 30 |
| Banks in Boonsboro, MD | 93 mi | 4 | 4 |
| Banks in Myersville, MD | 98 mi | 2 | 2 |
| Banks in Middletown, MD | 100 mi | 2 | 2 |
Bank branch openings and closings in Oakland
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Oakland 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 Oakland
Short answer: 1 institution has its main office in Oakland: First United Bank & Trust.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| First United Bank & Trust | Bank | $2.05 billion | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Oakland by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Oakland offices.
Short answer: Truist is the largest bank with offices in Oakland, 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. 1 of the 5 bank is headquartered here. 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 |
| First United Bank & Trust | $2.05 billion | No. 595 | 2 | Oakland, MD |
| Clear Mountain Bank | $1.03 billion | No. 1,028 | 1 | Bruceton Mills, WV |
| Citizens Bank of West Virginia | $772.5 million | No. 1,294 | 1 | Elkins, WV |
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 Oakland: FAQ
How many banks are in Oakland, MD?
Oakland has 5 banks with 6 branches and 2 credit unions with 3 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 Oakland?
First United Bank & Trust, with 2. Truist has 1 and M&T Bank has 1.
Is there a First United Bank & Trust in Oakland, MD?
Yes. FDIC data lists 2 First United Bank & Trust branches in Oakland as of September 5, 2026, the main office at 19 S 2nd St. Its branches are listed under First United Bank & Trust above, with the address and directions for each.
Is there a Truist in Oakland, MD?
Yes. FDIC data lists 1 Truist branch in Oakland as of September 5, 2026. The address and directions are under Truist above.
Is there a M&T Bank in Oakland, MD?
Yes. FDIC data lists 1 M&T Bank branch in Oakland as of September 5, 2026. The address and directions are under M&T Bank above.
Is there a Chase in Oakland, MD?
No. FDIC data lists no Chase branch in Oakland as of September 5, 2026. The nearest is in Frederick, about 107 miles away in a straight line.
Which banks in Oakland are open on Saturday?
Truist and M&T Bank publish Saturday hours for one or more Oakland locations. The Saturday section above lists each one with its hours. 4 of the 9 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Oakland?
First United Bank & Trust has its main office in Oakland, according to the FDIC.
What is the oldest bank in Oakland?
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 Oakland?
Wepco Credit Union and First Peoples Community Credit Union have offices in Oakland. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Oakland 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 Oakland?
Nearby cities with more banks include Grantsville, Frostburg, Cumberland. Grantsville is 23 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 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 (2 of 6 branches: M&T Bank, Truist) | 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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