US Bank Directory
Banks in Ruidoso, NM
7 FDIC-insured banks operate 7 offices in Ruidoso, New Mexico, and 1 credit union has 1 office.
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: Ruidoso
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: 8 banks and credit unions operate 8 locations in Ruidoso, according to the FDIC and the NCUA. 8 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
8 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 Ruidoso
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 7 banks share the most locations in Ruidoso, with 1 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.
City Bank Bank · 1
City Bank has 1 branch in Ruidoso, 1 across New Mexico and 36 nationwide. FDIC records list its main office in Lubbock, TX and show it operating since 1984. With $5.39 billion in total assets on June 30, 2026, it ranks No. 274 of 4,232 U.S. banks by total assets. The Midtown Branch at 1850 Sudderth Dr dates to 2006 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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Midtown Branch1850 Sudderth Dr, 88345
First National Bank Bank · 1
First National Bank has 1 branch in Ruidoso, 6 across New Mexico and 6 nationwide. FDIC records list its main office in Alamogordo, NM and show it operating since 1956. With $452.8 million in total assets on June 30, 2026, it ranks No. 1,913 of 4,232 U.S. banks by total assets. The Ruidoso Branch at 451 Sudderth Dr dates to 1985 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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Ruidoso Branch451 Sudderth Dr, 88345
First Savings Bank Bank · 1
First Savings Bank has 1 branch in Ruidoso, 7 across New Mexico and 24 nationwide. FDIC records list its main office in Beresford, SD and show it operating since 1989. With $1.59 billion in total assets on June 30, 2026, it ranks No. 708 of 4,232 U.S. banks by total assets. The Ruidoso Branch at 2713 Sudderth Dr dates to 1990 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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Ruidoso Branch2713 Sudderth Dr, 88345
Otero Credit Union Credit union · 1
Otero Credit Union has 1 office in Ruidoso, 7 across New Mexico. It is based in Alamogordo, NM and $532.5 million 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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Ruidoso Office26086 Us Highway 70, 88345
All hours
Mon to Fri 8 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Pioneer Bank Bank · 1
Pioneer Bank has 1 branch in Ruidoso, 11 across New Mexico and 11 nationwide. FDIC records list its main office in Roswell, NM and show it operating since 1901. With $1.09 billion in total assets on June 30, 2026, it ranks No. 962 of 4,232 U.S. banks by total assets. The Mechem Branch at 1095 Mechem Dr dates to 1901 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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Mechem Branch1095 Mechem Dr, 88345
PNC Bank Bank · 1
PNC Bank has 1 branch in Ruidoso, 12 across New Mexico 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 Sudderth Branch at 1710 Sudderth Dr dates to 1953 in FDIC branch records. Its published hours do not list Saturday.
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Sudderth Branch1710 Sudderth Dr, 88345
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
WaFd Bank Bank · 1
WaFd Bank has 1 branch in Ruidoso, 18 across New Mexico and 214 nationwide. FDIC records list its main office in Seattle, WA and show it operating since 1917. With $27.58 billion in total assets on June 30, 2026, it ranks No. 79 of 4,232 U.S. banks by total assets. The Ruidoso Branch at 398 Sudderth Dr dates to 1920 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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Ruidoso Branch398 Sudderth Dr, 88345
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Ruidoso, 54 across New Mexico 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 Ruidoso Branch at 401 Sudderth Dr dates to 1970 in FDIC branch records. Its published hours do not list Saturday.
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Ruidoso Branch401 Sudderth Dr, 88345
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Ruidoso
1 credit union has 1 office here: Otero 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 Ruidoso page has every office in the state's directory.
Banking in Ruidoso: the local picture
Short answer: 7 banks run 7 branches in Ruidoso 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 7 banks, 0 have their main office in Ruidoso, 2 elsewhere in New Mexico and 5 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 Pioneer Bank's office at 1095 Mechem Dr, dating to 1901; the newest is City Bank's at 1850 Sudderth Dr, from 2006.
The only credit union with an office here is Otero Credit Union.
Of the 3 locations with published hours. 1 opens on Saturday. 5 locations have no published hours in these sources.
Credit unions open on Saturday in Ruidoso
Short answer: 1 of the 3 Ruidoso locations with published hours opens on Saturday, run by 1 institution.
- Otero Credit Union: 1 of 1 office (26086 Us Highway 70: Saturday 9 am to 1 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; 5 of the 8 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 Ruidoso, and where the nearest one is if they do not.
Short answer: In Ruidoso: Wells Fargo (1), PNC Bank (1). No branches in Ruidoso: Chase (nearest in Albuquerque, 131 mi), Bank of America (nearest in Las Cruces, 94 mi), U.S. Bank (nearest in Las Cruces, 94 mi), Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in Las Cruces, 95 mi).
| Bank | In Ruidoso | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| PNC Bank | 1 branch | here |
| Chase | None | Albuquerque, 131 miles away |
| Bank of America | None | Las Cruces, 94 miles away |
| U.S. Bank | None | Las Cruces, 94 miles away |
| Truist | None | none in New Mexico |
| Fifth Third Bank | None | none in New Mexico |
| Huntington | None | none in New Mexico |
| Regions Bank | None | none in New Mexico |
| TD Bank | None | none in New Mexico |
| BMO | None | Las Cruces, 95 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Ruidoso to the nearest branch in New Mexico.
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 Ruidoso residents like anyone else.
Banks near Ruidoso
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Tularosa (27 miles) and Alamogordo (35 miles). Las Cruces, 95 miles away, has the most banks nearby: 17.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Tularosa, NM | 27 mi | 2 | 2 |
| Banks in Alamogordo, NM | 35 mi | 8 | 9 |
| Banks in Roswell, NM | 65 mi | 8 | 16 |
| Banks in Artesia, NM | 80 mi | 4 | 5 |
| Banks in Socorro, NM | 87 mi | 3 | 4 |
| Banks in Truth Or Consequences, NM | 93 mi | 3 | 3 |
| Banks in Las Cruces, NM | 95 mi | 17 | 33 |
| Banks in Hatch, NM | 98 mi | 2 | 2 |
Bank branch openings and closings in Ruidoso
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Ruidoso between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Ruidoso by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ruidoso offices.
Short answer: Wells Fargo is the largest bank with offices in Ruidoso, with $1.91 trillion in total assets on June 30, 2026, No. 4 among U.S. banks by total assets. PNC Bank is second with $609.77 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| WaFd Bank | $27.58 billion | No. 79 | 1 | Seattle, WA |
| City Bank | $5.39 billion | No. 274 | 1 | Lubbock, TX |
| First Savings Bank | $1.59 billion | No. 708 | 1 | Beresford, SD |
| Pioneer Bank | $1.09 billion | No. 962 | 1 | Roswell, NM |
| First National Bank | $452.8 million | No. 1,913 | 1 | Alamogordo, NM |
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 Ruidoso: FAQ
How many banks are in Ruidoso, NM?
Ruidoso has 7 banks with 7 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 Ruidoso?
Wells Fargo, with 1. PNC Bank has 1 and WaFd Bank has 1.
Is there a Wells Fargo in Ruidoso, NM?
Yes. FDIC data lists 1 Wells Fargo branch in Ruidoso as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a PNC Bank in Ruidoso, NM?
Yes. FDIC data lists 1 PNC Bank branch in Ruidoso as of September 5, 2026. The address and directions are under PNC Bank above.
Is there a WaFd Bank in Ruidoso, NM?
Yes. FDIC data lists 1 WaFd Bank branch in Ruidoso as of September 5, 2026. The address and directions are under WaFd Bank above.
Is there a Chase in Ruidoso, NM?
No. FDIC data lists no Chase branch in Ruidoso as of September 5, 2026. The nearest is in Albuquerque, about 131 miles away in a straight line.
Which banks in Ruidoso are open on Saturday?
Otero Credit Union publishes Saturday hours for one or more Ruidoso locations. The Saturday section above lists each one with its hours. 5 of the 8 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Ruidoso?
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 Ruidoso?
Otero Credit Union has an office in Ruidoso. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Ruidoso 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 Ruidoso?
Nearby cities with more banks include Tularosa, Alamogordo, Roswell. Tularosa is 27 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 |
| Bank branch hours, phones and branch pages (2 of 7 branches: PNC Bank, Wells Fargo) | 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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