US Bank Directory
Banks in Waterboro, ME
1 FDIC-insured bank operates 1 office in Waterboro, 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: Waterboro
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: 2 banks and credit unions operate 2 locations in Waterboro, according to the FDIC and the NCUA. 2 of them have coordinates on record and are on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
2 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 Waterboro
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Maine Community Bank is the only bank with an office in Waterboro. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Maine Community Bank Bank · 1
Maine Community Bank has 1 branch in Waterboro, 23 across Maine and 23 nationwide. FDIC records list its main office in Portland, ME and show it operating since 1867. With $2.98 billion in total assets on June 30, 2026, it ranks No. 430 of 4,232 U.S. banks by total assets. The Waterboro Main Street Branch at 846 Main St dates to 1995 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Waterboro Main Street Branch846 Main St, 04087
Saco Valley Credit Union Credit union · 1
Saco Valley Credit Union has 1 office in Waterboro, 5 across Maine. It is based in Saco, ME and $196.0 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.
-
Waterboro Branch Office860 Main St, 04087
All hours
Mon 9 am to 5 pm; Tue 9 am to 12 pm; Wed 9 am to 4 pm; Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Waterboro
1 credit union has 1 office here: Saco Valley 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 Waterboro page has every office in the state's directory.
Banking in Waterboro: the local picture
Short answer: 1 bank runs 1 branch in Waterboro according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Maine Community Bank has its main office in Portland, ME, according to the FDIC.
The bank with the longest record here is Maine Community Bank, operating since 1867 according to the FDIC.
The only credit union with an office here is Saco Valley Credit Union.
Of the 1 location with published hours. None open on Saturday. 1 location has no published hours in these sources.
Saturday hours in Waterboro
Short answer: None of the 1 Waterboro location with published hours lists Saturday hours. 1 location does 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; 1 of the 2 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 Waterboro, and where the nearest one is if they do not.
Short answer: No branches in Waterboro: Chase (nearest in Sanford, 9 mi), Wells Fargo, Bank of America (nearest in Saco, 14 mi), PNC Bank, U.S. Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank (nearest in Sanford, 9 mi), BMO.
| Bank | In Waterboro | Nearest branch if none here |
|---|---|---|
| Chase | None | Sanford, 9 miles away |
| Wells Fargo | None | none in Maine |
| Bank of America | None | Saco, 14 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 | Sanford, 9 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 Waterboro 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 Waterboro residents like anyone else.
Banks near Waterboro
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are East Waterboro (3 miles) and Sanford (9 miles). Kennebunk, 14 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in East Waterboro, ME | 3 mi | 2 | 2 |
| Banks in Sanford, ME | 9 mi | 4 | 5 |
| Banks in Biddeford, ME | 13 mi | 4 | 6 |
| Banks in Saco, ME | 14 mi | 8 | 8 |
| Banks in Kennebunk, ME | 14 mi | 9 | 11 |
| Banks in Standish, ME | 16 mi | 2 | 2 |
| Banks in Gorham, ME | 17 mi | 3 | 4 |
| Banks in Wells, ME | 17 mi | 4 | 4 |
Bank branch openings and closings in Waterboro
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Waterboro between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Waterboro by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Waterboro offices.
Short answer: Maine Community Bank is the largest bank with offices in Waterboro, with $2.98 billion in total assets on June 30, 2026, No. 430 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Maine Community Bank | $2.98 billion | No. 430 | 1 | Portland, 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 Waterboro: FAQ
How many banks are in Waterboro, ME?
Waterboro has 1 bank with 1 branch and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Is there a Maine Community Bank in Waterboro, ME?
Yes. FDIC data lists 1 Maine Community Bank branch in Waterboro as of September 5, 2026. The address and directions are under Maine Community Bank above.
Is there a Chase in Waterboro, ME?
No. FDIC data lists no Chase branch in Waterboro as of September 5, 2026. The nearest is in Sanford, about 9 miles away in a straight line.
Which banks in Waterboro are open on Saturday?
None of the 1 location with published hours lists Saturday hours. 1 location does not publish hours in our sources; call ahead.
What is the oldest bank in Waterboro?
Maine Community Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1867.
Which credit unions can I join in Waterboro?
Saco Valley Credit Union has an office in Waterboro. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Waterboro 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 Waterboro?
Nearby cities with more banks include East Waterboro, Sanford, Biddeford. East Waterboro 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 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 |
See your odds before you apply
Banrox shows how likely a card or loan is for your profile, from your own data, without a hard pull. Platform live; card in early access; no card issued.
Check your odds