Banks in Carthage, NY

Bank branch map: Carthage

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 Carthage, according to the FDIC and the NCUA. 3 of them have coordinates on record and are on the map. 1 publish opening hours.

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 Carthage

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Community Bank and Carthage Savings and Loan have the most locations in Carthage, 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.

Carthage Savings and Loan 1 branch · main office Carthage, NY Bank · 1

Carthage Savings and Loan has 1 branch in Carthage, 4 across New York and 4 nationwide. FDIC records list its main office in Carthage, NY and show it operating since 1888. With $312.1 million in total assets on June 30, 2026, it ranks No. 2,420 of 4,232 U.S. banks by total assets. Its main office at 313 State St dates to 1888 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  313 State St, 13619

  Hours: see the bank's site
  DirectionsWebsite

Carthage Savings and Loan: profile, branches and contacts

Community Bank Community Bank, National Association · 1 branch · main office Canton, NY Bank · 1

Community Bank has 1 branch in Carthage, 149 across New York and 214 nationwide. FDIC records list its main office in Canton, NY and show it operating since 1866. With $17.45 billion in total assets on June 30, 2026, it ranks No. 114 of 4,232 U.S. banks by total assets. The West Carthage Branch at 84 Bridge St dates to 1975 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• West Carthage Branch

  84 Bridge St, 13619

  Hours: see the bank's site
  DirectionsWebsite

Community Bank: profile, branches and contacts

Northern Credit Union 1 office · main office Watertown, NY Credit union · 1

Northern Credit Union has 1 office in Carthage, 11 across New York. It is based in Watertown, NY and $682.1 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.

• West Carthage Branch

  88 Bridge St, 13619

  (315) 519-1277Today 9 am to 4 pm

  All hours

  Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat not published; Sun closed

  Hours: NCUA, March 31, 2026

  Directions

Northern Credit Union: profile, branches and contacts

Join a credit union in Carthage

1 credit union has 1 office here: Northern 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 Carthage page has every office in the state's directory.

Banking in Carthage: the local picture

Short answer: 2 banks run 2 branches in Carthage 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, 1 has its main office in Carthage, 1 elsewhere in New York, according to the FDIC.

The bank with the longest record here is Community Bank, operating since 1866 according to the FDIC. In FDIC branch records, the longest-running branch is Carthage Savings and Loan's office at 313 State St, dating to 1888; the newest is Community Bank's at 84 Bridge St, from 1975.

The only credit union with an office here is Northern 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 Carthage

Short answer: None of the 1 Carthage 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 Carthage, and where the nearest one is if they do not.

Short answer: No branches in Carthage: Chase (nearest in Oswego, 57 mi), Wells Fargo (nearest in Kingston, 163 mi), Bank of America (nearest in Cicero, 62 mi), PNC Bank (nearest in New York, 232 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 238 mi), Huntington, Regions Bank, TD Bank (nearest in Warrensburg, 98 mi), BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Carthage 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%.

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 Carthage residents like anyone else.

Banks near Carthage

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Lowville (14 miles) and Watertown (15 miles). Watertown, 15 miles away, has the most banks nearby: 5.

Bank branch openings and closings in Carthage

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Carthage 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 Carthage

Short answer: 1 institution has its main office in Carthage: Carthage Savings and Loan.

Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.

Largest banks in Carthage by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Carthage offices.

Short answer: Community Bank is the largest bank with offices in Carthage, with $17.45 billion in total assets on June 30, 2026, No. 114 among U.S. banks by total assets. Carthage Savings and Loan is second with $312.1 million. 1 of the 2 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

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 Carthage: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.