US Bank Directory
Banks in Ballston Spa, NY
4 FDIC-insured banks operate 7 offices in Ballston Spa, New York, 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: Ballston Spa
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 11 locations in Ballston Spa, according to the FDIC and the NCUA. 11 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
11 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 Ballston Spa
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: KeyBank, Trustco Bank and Ballston Spa National Bank have the most locations in Ballston Spa, with 2 each. 1 bank has 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.
Ballston Spa National Bank Bank · 2
Ballston Spa National Bank has 2 branches in Ballston Spa, 21 across New York and 21 nationwide. FDIC records list its main office in Ballston Spa, NY and show it operating since 1838. With $1.37 billion in total assets on June 30, 2026, it ranks No. 808 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Ballston Spa location is its main office at 87 Front St, dating to 1838; the newest, at 990 State Route 67, to 2011. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office87 Front St, 12020
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Corporate Office Branch990 State Route 67, 12020
KeyBank Bank · 2
KeyBank has 2 branches in Ballston Spa, 228 across New York and 952 nationwide. FDIC records list its main office in Cleveland, OH and show it operating since 1849. With $188.56 billion in total assets on June 30, 2026, it ranks No. 23 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Ballston Spa location is the Malta Branch at 507 Route 67, dating to 1989; the newest, at 2031 Doubleday Ave, to 1989. 1 of its 2 Ballston Spa locations with published hours open on Saturday.
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Ballston Spa Branch2031 Doubleday Ave, 12020
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun not published
Hours: KeyBank branch locator (All The Places), checked Oct 10, 2026
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Malta Branch507 Route 67, 12020
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: KeyBank branch locator (All The Places), checked Oct 10, 2026
Trustco Bank Bank · 2
Trustco Bank has 2 branches in Ballston Spa, 80 across New York and 133 nationwide. FDIC records list its main office in Glenville, NY and show it operating since 1925. With $6.52 billion in total assets on June 30, 2026, it ranks No. 238 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Ballston Spa location is the Milton Center Plaza Branch at 2 Trieble Ave, dating to 2000; the newest, at 235 Church Ave, to 2002. It does not publish hours in the sources this page uses; check its site before you go.
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Milton Center Plaza Branch2 Trieble Ave, 12020
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Ballston Spa. Office235 Church Ave, 12020
Saratoga's Community Credit Union Credit union · 1
Saratoga's Community Credit Union has 1 office in Ballston Spa, 2 across New York. It is based in Saratoga Spring, NY and $59.2 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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444 Geyser Rd444 Geyser Rd, 12020
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Stewart's Credit Union Credit union · 1
Stewart's Credit Union has 1 office in Ballston Spa, 1 across New York. It is based in Saratoga Spring, NY and $44.7 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 office2911 State Route 9, 12020
All hours
Mon to Wed 8 am to 3 pm; Thu to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Sunmark Credit Union Credit union · 1
Sunmark Credit Union has 1 office in Ballston Spa, 16 across New York. It is based in Albany, NY and $1.20 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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Milton24 Trieble Ave, 12020
All hours
Mon to Sun 24 hours
Hours: NCUA, March 31, 2026
Tct Credit Union Credit union · 1
Tct Credit Union has 1 office in Ballston Spa, 4 across New York. It is based in Ballston Spa, NY and $292.0 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.
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Main Office main office416 Rowland St, 12020
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
The Adirondack Trust Bank · 1
The Adirondack Trust has 1 branch in Ballston Spa, 13 across New York and 13 nationwide. FDIC records list its main office in Saratoga Springs, NY and show it operating since 1901. With $1.70 billion in total assets on June 30, 2026, it ranks No. 667 of 4,232 U.S. banks by total assets. The Ballston Spa Branch at 224 Church Ave dates to 2004 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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Ballston Spa Branch224 Church Ave, 12020
Join a credit union in Ballston Spa
4 credit unions have 4 offices here: Sunmark Credit Union, Tct Credit Union, Saratoga's Community Credit Union and Stewart's 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 Ballston Spa page has every office in the state's directory.
Banking in Ballston Spa: the local picture
Short answer: 4 banks run 7 branches in Ballston Spa 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 4 banks, 1 has its main office in Ballston Spa, 2 elsewhere in New York and 1 out of state, according to the FDIC.
The bank with the longest record here is Ballston Spa National Bank, operating since 1838 according to the FDIC. In FDIC branch records, the longest-running branch is Ballston Spa National Bank's office at 87 Front St, dating to 1838; the newest is Ballston Spa National Bank's at 990 State Route 67, from 2011.
4 credit unions have 4 offices in Ballston Spa, according to the NCUA. Who can join each one is on the credit unions page.
Of the 6 locations with published hours. 3 open on Saturday. 5 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Ballston Spa
Short answer: 3 of the 6 Ballston Spa locations with published hours open on Saturday, run by 3 institutions.
- KeyBank: 1 of 2 branches (507 Route 67: Saturday 9 am to 12 pm)
- Sunmark Credit Union: 1 of 1 office (24 Trieble Ave: Saturday 24 hours)
- Saratoga's Community Credit Union: 1 of 1 office (444 Geyser Rd: 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 11 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 Ballston Spa, and where the nearest one is if they do not.
Short answer: No branches in Ballston Spa: Chase (nearest in Saratoga Springs, 9 mi), Wells Fargo (nearest in Kingston, 74 mi), Bank of America (nearest in Saratoga Springs, 6 mi), PNC Bank (nearest in New York, 149 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 155 mi), Huntington, Regions Bank, TD Bank (nearest in Mechanicville, 10 mi), BMO.
| Bank | In Ballston Spa | Nearest branch if none here |
|---|---|---|
| Chase | None | Saratoga Springs, 9 miles away |
| Wells Fargo | None | Kingston, 74 miles away |
| Bank of America | None | Saratoga Springs, 6 miles away |
| PNC Bank | None | New York, 149 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 155 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| TD Bank | None | Mechanicville, 10 miles away |
| BMO | None | none in New York |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Ballston Spa to the nearest branch in New York.
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 Ballston Spa residents like anyone else.
Banks near Ballston Spa
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Malta (3 miles) and Ballston Lake (6 miles). Clifton Park, 10 miles away, has the most banks nearby: 12.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Malta, NY | 3 mi | 4 | 4 |
| Banks in Ballston Lake, NY | 6 mi | 3 | 5 |
| Banks in Saratoga Springs, NY | 7 mi | 10 | 20 |
| Banks in Wilton, NY | 8 mi | 2 | 2 |
| Banks in Mechanicville, NY | 8 mi | 3 | 3 |
| Banks in Clifton Park, NY | 10 mi | 12 | 17 |
| Banks in Glenville, NY | 11 mi | 3 | 4 |
| Banks in Scotia, NY | 12 mi | 3 | 3 |
Bank branch openings and closings in Ballston Spa
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Ballston Spa 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 Ballston Spa
Short answer: 2 institutions have their main office in Ballston Spa: Ballston Spa National Bank and Tct Credit Union.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Ballston Spa National Bank | Bank | $1.37 billion | 2 |
| Tct Credit Union | Credit union | $292.0 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Ballston Spa by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ballston Spa offices.
Short answer: KeyBank is the largest bank with offices in Ballston Spa, with $188.56 billion in total assets on June 30, 2026, No. 23 among U.S. banks by total assets. Trustco Bank is second with $6.52 billion. 1 of the 4 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 |
|---|---|---|---|---|
| KeyBank | $188.56 billion | No. 23 | 2 | Cleveland, OH |
| Trustco Bank | $6.52 billion | No. 238 | 2 | Glenville, NY |
| The Adirondack Trust | $1.70 billion | No. 667 | 1 | Saratoga Springs, NY |
| Ballston Spa National Bank | $1.37 billion | No. 808 | 2 | Ballston Spa, NY |
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 Ballston Spa: FAQ
How many banks are in Ballston Spa, NY?
Ballston Spa has 4 banks with 7 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 Ballston Spa?
KeyBank, with 2. Trustco Bank has 2 and Ballston Spa National Bank has 2.
Is there a KeyBank in Ballston Spa, NY?
Yes. FDIC data lists 2 KeyBank branches in Ballston Spa as of September 5, 2026. Its branches are listed under KeyBank above, with the address and directions for each.
Is there a Trustco Bank in Ballston Spa, NY?
Yes. FDIC data lists 2 Trustco Bank branches in Ballston Spa as of September 5, 2026. Its branches are listed under Trustco Bank above, with the address and directions for each.
Is there a Chase in Ballston Spa, NY?
No. FDIC data lists no Chase branch in Ballston Spa as of September 5, 2026. The nearest is in Saratoga Springs, about 9 miles away in a straight line.
Which banks in Ballston Spa are open on Saturday?
KeyBank, Sunmark Credit Union and Saratoga's Community Credit Union publish Saturday hours for one or more Ballston Spa locations. The Saturday section above lists each one with its hours. 5 of the 11 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Ballston Spa?
Ballston Spa National Bank and Tct Credit Union have their main office in Ballston Spa, according to the FDIC and the NCUA.
What is the oldest bank in Ballston Spa?
Ballston Spa National Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1838.
Which credit unions can I join in Ballston Spa?
Sunmark Credit Union, Tct Credit Union, Saratoga's Community Credit Union and Stewart's Credit Union have offices in Ballston Spa. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Ballston Spa 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 Ballston Spa?
Nearby cities with more banks include Malta, Ballston Lake, Saratoga Springs. Malta is 3 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 4 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: KeyBank) | 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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