US Bank Directory
Banks in Carmel, NY
4 FDIC-insured banks operate 6 offices in Carmel, New York, 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: Carmel
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: 5 banks and credit unions operate 7 locations in Carmel, according to the FDIC and the NCUA. 7 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
7 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 Carmel
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: The Putnam County National Bank of Carmel has the most locations in Carmel, with 3. The other 3 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.
The Putnam County National Bank of Carmel Bank · 3
The Putnam County National Bank of Carmel has 3 branches in Carmel, 6 across New York and 6 nationwide. FDIC records list its main office in Carmel, NY and show it operating since 1865. With $182.7 million in total assets on June 30, 2026, it ranks No. 3,110 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Carmel location is its main office at 43 Gleneida Ave, dating to 1865; the newest, at 1872 Route 6, to 1971. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office43 Gleneida Ave, 10512
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Putnam Plaza Office1872 Route 6, 10512
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Lake Carmel Office497 Route 52, 10512
Beacon Bank and Trust Bank · 1
Beacon Bank and Trust has 1 branch in Carmel, 31 across New York and 151 nationwide. FDIC records list its main office in Boston, MA and show it operating since 1871. With $22.20 billion in total assets on June 30, 2026, it ranks No. 98 of 4,232 U.S. banks by total assets. The Kent Branch at 256 Route 52 dates to 2000 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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Kent Branch256 Route 52, 10512
Hudson Valley Credit Union Credit union · 1
Hudson Valley Credit Union has 1 office in Carmel, 43 across New York. It is based in Poughkeepsie, NY and $8.11 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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Carmel2 Terrace Dr, 10512
All hours
Mon to Thu 8:30 am to 5:30 pm; Fri 8:30 am to 6 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
TD Bank Bank · 1
TD Bank has 1 branch in Carmel, 231 across New York and 1,051 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1852. With $342.80 billion in total assets on June 30, 2026, it ranks No. 13 of 4,232 U.S. banks by total assets. The Carmel Branch at 96 Gleneida Ave dates to 1999 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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Carmel Branch96 Gleneida Ave, 10512
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Carmel, 87 across New York 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 Carmel Branch at 259 Route 52 dates to 1976 in FDIC branch records. It opens on Saturday.
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Carmel Branch259 Route 52, 10512
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Carmel
1 credit union has 1 office here: Hudson 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 Carmel page has every office in the state's directory.
Banking in Carmel: the local picture
Short answer: 4 banks run 6 branches in Carmel 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 Carmel and 3 out of state, according to the FDIC.
The bank with the longest record here is TD Bank, operating since 1852 according to the FDIC. In FDIC branch records, the longest-running branch is The Putnam County National Bank of Carmel's office at 43 Gleneida Ave, dating to 1865; the newest is Beacon Bank and Trust's at 256 Route 52, from 2000.
The only credit union with an office here is Hudson Valley Credit Union.
Of the 2 locations with published hours. 2 open on Saturday. 5 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Carmel
Short answer: 2 of the 2 Carmel locations with published hours open on Saturday, run by 2 institutions.
- Wells Fargo: 1 of 1 branch (259 Route 52: Saturday 9 am to 2 pm)
- Hudson Valley Credit Union: 1 of 1 office (2 Terrace Dr: Saturday 9 am to 2 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 7 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 Carmel, and where the nearest one is if they do not.
Short answer: In Carmel: Wells Fargo (1), TD Bank (1). No branches in Carmel: Chase (nearest in Brewster, 6 mi), Bank of America (nearest in Yorktown Heights, 12 mi), PNC Bank (nearest in New York, 43 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 50 mi), Huntington, Regions Bank, BMO.
| Bank | In Carmel | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| TD Bank | 1 branch | here |
| Chase | None | Brewster, 6 miles away |
| Bank of America | None | Yorktown Heights, 12 miles away |
| PNC Bank | None | New York, 43 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 50 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| 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 Carmel 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 Carmel residents like anyone else.
Banks near Carmel
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Brewster (5 miles) and Mahopac (5 miles). Brewster, 5 miles away, has the most banks nearby: 5.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Brewster, NY | 5 mi | 5 | 5 |
| Banks in Mahopac, NY | 5 mi | 4 | 4 |
| Banks in Patterson, NY | 7 mi | 2 | 3 |
| Banks in Somers, NY | 7 mi | 4 | 4 |
| Banks in Baldwin Place, NY | 7 mi | 3 | 3 |
| Banks in Pawling, NY | 9 mi | 3 | 3 |
| Banks in Jefferson Valley, NY | 10 mi | 2 | 2 |
| Banks in Hopewell Junction, NY | 11 mi | 5 | 5 |
Bank branch openings and closings in Carmel
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Carmel 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 Carmel
Short answer: 1 institution has its main office in Carmel: The Putnam County National Bank of Carmel.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| The Putnam County National Bank of Carmel | Bank | $182.7 million | 3 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Carmel by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Carmel offices.
Short answer: Wells Fargo is the largest bank with offices in Carmel, with $1.91 trillion in total assets on June 30, 2026, No. 4 among U.S. banks by total assets. TD Bank is second with $342.80 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 |
|---|---|---|---|---|
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| TD Bank | $342.80 billion | No. 13 | 1 | Wilmington, DE |
| Beacon Bank and Trust | $22.20 billion | No. 98 | 1 | Boston, MA |
| The Putnam County National Bank of Carmel | $182.7 million | No. 3,110 | 3 | Carmel, 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 Carmel: FAQ
How many banks are in Carmel, NY?
Carmel has 4 banks with 6 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 Carmel?
The Putnam County National Bank of Carmel, with 3. Wells Fargo has 1 and TD Bank has 1.
Is there a Wells Fargo in Carmel, NY?
Yes. FDIC data lists 1 Wells Fargo branch in Carmel as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a TD Bank in Carmel, NY?
Yes. FDIC data lists 1 TD Bank branch in Carmel as of September 5, 2026. The address and directions are under TD Bank above.
Is there a Chase in Carmel, NY?
No. FDIC data lists no Chase branch in Carmel as of September 5, 2026. The nearest is in Brewster, about 6 miles away in a straight line.
Which banks in Carmel are open on Saturday?
Wells Fargo and Hudson Valley Credit Union publish Saturday hours for one or more Carmel locations. The Saturday section above lists each one with its hours. 5 of the 7 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Carmel?
The Putnam County National Bank of Carmel has its main office in Carmel, according to the FDIC.
What is the oldest bank in Carmel?
TD Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1852.
Which credit unions can I join in Carmel?
Hudson Valley Credit Union has an office in Carmel. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Carmel 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 Carmel?
Nearby cities with more banks include Brewster, Mahopac, Patterson. Brewster is 5 miles away with 5 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 (1 of 6 branches: 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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