US Bank Directory
Banks in Jay, ME
2 FDIC-insured banks operate 2 offices in Jay, Maine, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Jay
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: 3 banks and credit unions operate 3 locations in Jay, according to the FDIC and the NCUA. 3 of them have coordinates on record and are on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
3 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 Jay
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Androscoggin Savings Bank and Franklin Savings Bank have the most locations in Jay, with 1 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.
Androscoggin Savings Bank Bank · 1
Androscoggin Savings Bank has 1 branch in Jay, 10 across Maine and 10 nationwide. FDIC records list its main office in Lewiston, ME and show it operating since 1870. With $1.76 billion in total assets on June 30, 2026, it ranks No. 655 of 4,232 U.S. banks by total assets. The Jay Branch at 6 Androscoggin Ln dates to 1967 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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Jay Branch6 Androscoggin Ln, 04239
Franklin Savings Bank Bank · 1
Franklin Savings Bank has 1 branch in Jay, 9 across Maine and 9 nationwide. FDIC records list its main office in Farmington, ME and show it operating since 1868. With $786.9 million in total assets on June 30, 2026, it ranks No. 1,279 of 4,232 U.S. banks by total assets. The Jay Branch at 9 Main St dates to 1970 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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Jay Branch9 Main St, 04239
Otis Credit Union Credit union · 1
Otis Credit Union has 1 office in Jay, 1 across Maine. It is based in Jay, ME and $296.3 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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Main Office main office170 Main St, 04239
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Jay
1 credit union has 1 office here: Otis 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 Jay page has every office in the state's directory.
Banking in Jay: the local picture
Short answer: 2 banks run 2 branches in Jay 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 2 banks, 0 have their main office in Jay, 2 elsewhere in Maine, according to the FDIC.
The bank with the longest record here is Franklin Savings Bank, operating since 1868 according to the FDIC. In FDIC branch records, the longest-running branch is Androscoggin Savings Bank's office at 6 Androscoggin Ln, dating to 1967; the newest is Franklin Savings Bank's at 9 Main St, from 1970.
The only credit union with an office here is Otis Credit Union.
Of the 1 location with published hours. None open on Saturday. 2 locations have no published hours in these sources.
Saturday hours in Jay
Short answer: None of the 1 Jay location with published hours lists Saturday hours. 2 locations do not publish hours in these sources; call ahead.
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 3 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 Jay, and where the nearest one is if they do not.
Short answer: No branches in Jay: Chase (nearest in Yarmouth, 48 mi), Wells Fargo, Bank of America (nearest in Brunswick, 42 mi), PNC Bank, U.S. Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank (nearest in Farmington, 13 mi), BMO.
| Bank | In Jay | Nearest branch if none here |
|---|---|---|
| Chase | None | Yarmouth, 48 miles away |
| Wells Fargo | None | none in Maine |
| Bank of America | None | Brunswick, 42 miles away |
| PNC Bank | None | none in Maine |
| U.S. Bank | None | none in Maine |
| Truist | None | none in Maine |
| Fifth Third Bank | None | none in Maine |
| Huntington | None | none in Maine |
| Regions Bank | None | none in Maine |
| TD Bank | None | Farmington, 13 miles away |
| BMO | None | none in Maine |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Jay to the nearest branch in Maine.
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 Jay residents like anyone else.
Banks near Jay
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Farmington (12 miles) and Rumford (17 miles). Augusta, 24 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Farmington, ME | 12 mi | 4 | 6 |
| Banks in Rumford, ME | 17 mi | 2 | 2 |
| Banks in Winthrop, ME | 17 mi | 2 | 2 |
| Banks in Augusta, ME | 24 mi | 7 | 10 |
| Banks in Hallowell, ME | 24 mi | 2 | 2 |
| Banks in South Paris, ME | 25 mi | 3 | 3 |
| Banks in Norway, ME | 25 mi | 2 | 2 |
| Banks in Madison, ME | 26 mi | 3 | 3 |
Bank branch openings and closings in Jay
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Jay 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 Jay
Short answer: 1 institution has its main office in Jay: Otis Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Otis Credit Union | Credit union | $296.3 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Jay by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Jay offices.
Short answer: Androscoggin Savings Bank is the largest bank with offices in Jay, with $1.76 billion in total assets on June 30, 2026, No. 655 among U.S. banks by total assets. Franklin Savings Bank is second with $786.9 million. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Androscoggin Savings Bank | $1.76 billion | No. 655 | 1 | Lewiston, ME |
| Franklin Savings Bank | $786.9 million | No. 1,279 | 1 | Farmington, ME |
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 Jay: FAQ
How many banks are in Jay, ME?
Jay has 2 banks with 2 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 Jay?
Androscoggin Savings Bank, with 1. Franklin Savings Bank has 1.
Is there a Androscoggin Savings Bank in Jay, ME?
Yes. FDIC data lists 1 Androscoggin Savings Bank branch in Jay as of September 5, 2026. The address and directions are under Androscoggin Savings Bank above.
Is there a Franklin Savings Bank in Jay, ME?
Yes. FDIC data lists 1 Franklin Savings Bank branch in Jay as of September 5, 2026. The address and directions are under Franklin Savings Bank above.
Is there a Chase in Jay, ME?
No. FDIC data lists no Chase branch in Jay as of September 5, 2026. The nearest is in Yarmouth, about 48 miles away in a straight line.
Which banks in Jay are open on Saturday?
None of the 1 location with published hours lists Saturday hours. 2 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Jay?
Otis Credit Union has its main office in Jay, according to the FDIC and the NCUA.
What is the oldest bank in Jay?
Franklin Savings Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1868.
Which credit unions can I join in Jay?
Otis Credit Union has an office in Jay. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Jay 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 Jay?
Nearby cities with more banks include Farmington, Rumford, Winthrop. Farmington is 12 miles away with 4 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 |
| 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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