Banks in Clay, NY

Bank branch map: Clay

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: 1 institution operates 2 locations in Clay, according to the FDIC. 2 of them have coordinates on record and are on the map. 2 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 in Clay

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

Short answer: M&T Bank is the only bank with offices in Clay, with 2. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

M&T Bank Manufacturers and Traders Trust Company · 2 branches · main office Buffalo, NY Bank · 2

M&T Bank has 2 branches in Clay, 275 across New York and 960 nationwide. FDIC records list its main office in Buffalo, NY and show it operating since 1856. With $218.79 billion in total assets on June 30, 2026, it ranks No. 21 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Clay location is the Taft Road Branch at 5170 West Taft Road, dating to 1975; the newest, at 3945 Route 31, to 1990. 1 of its 2 Clay locations with published hours open on Saturday.

• Great Northern Branch

  3945 Route 31, 13090

  (315) 652-1640Today 9 am to 4 pm

  All hours

  Mon closed; Tue to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun closed

  Hours: M&T Bank branch locator (All The Places), checked Oct 10, 2026

  DirectionsBranch page
• Taft Road Branch

  5170 West Taft Road, 13212

  (315) 458-9011Today 9 am to 4 pm

  All hours

  Mon closed; Tue to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun closed

  Hours: M&T Bank branch locator (All The Places), checked Oct 10, 2026

  DirectionsBranch page

M&T Bank: profile, branches and contacts

Banking in Clay: the local picture

Short answer: 1 bank runs 2 branches in Clay according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

M&T Bank has its main office in Buffalo, NY, according to the FDIC.

The bank with the longest record here is M&T Bank, operating since 1856 according to the FDIC. In FDIC branch records, the longest-running branch is M&T Bank's office at 5170 West Taft Road, dating to 1975; the newest is M&T Bank's at 3945 Route 31, from 1990.

Of the 2 locations with published hours. 1 opens on Saturday.

Banks by ZIP code in Clay

Offices grouped by the ZIP code in their FDIC or NCUA record.

Short answer: ZIP 13090 has the most bank and credit union offices in Clay (1), followed by 13212 (1). Offices are spread across 2 ZIP codes.

Banks open on Saturday in Clay

Short answer: 1 of the 2 Clay locations with published hours opens on Saturday, run by 1 institution.

• M&T Bank: 1 of 2 branches (3945 Route 31: Saturday 9 am to 12 pm)

Bank branches show hours only where the bank publishes them in a source this page uses. 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 Clay, and where the nearest one is if they do not.

Short answer: No branches in Clay: Chase (nearest in Liverpool, 2 mi), Wells Fargo (nearest in Kingston, 139 mi), Bank of America (nearest in Liverpool, 2 mi), PNC Bank (nearest in New York, 197 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 201 mi), Huntington, Regions Bank, TD Bank (nearest in Niskayuna, 119 mi), BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Clay 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 Clay residents like anyone else.

Banks near Clay

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

Short answer: The closest towns with more choice are Liverpool (2 miles) and North Syracuse (4 miles). Syracuse, 8 miles away, has the most banks nearby: 12.

Bank branch openings and closings in Clay

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

Short answer: FDIC branch records show no bank branch openings in Clay between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Clay by total assets

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

Short answer: M&T Bank is the largest bank with offices in Clay, with $218.79 billion in total assets on June 30, 2026, No. 21 among U.S. banks by total assets. 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 Clay: FAQ

How we build this page

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