Banks in Clayton, NY

Bank branch map: Clayton

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 Clayton, according to the FDIC. 3 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

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 Clayton

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

Short answer: Community Bank, Watertown Savings Bank and Carthage Savings and Loan have the most locations in Clayton, with 1 each. 3 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 Clayton, 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. The Clayton Branch at 325 State St dates to 2009 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Clayton Branch

  325 State St, 13624

  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 Clayton, 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 Clayton Branch at 205 State St dates to 2005 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Clayton Branch

  205 State St, 13624

  Hours: see the bank's site
  DirectionsWebsite

Community Bank: profile, branches and contacts

Watertown Savings Bank 1 branch · main office Watertown, NY Bank · 1

Watertown Savings Bank has 1 branch in Clayton, 10 across New York and 10 nationwide. FDIC records list its main office in Watertown, NY and show it operating since 1894. With $971.0 million in total assets on June 30, 2026, it ranks No. 1,077 of 4,232 U.S. banks by total assets. The Clayton James St Branch at 352 James St dates to 2005 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Clayton James St Branch

  352 James St, 13624

  Hours: see the bank's site
  DirectionsWebsite

Watertown Savings Bank: profile, branches and contacts

Banking in Clayton: the local picture

Short answer: 3 banks run 3 branches in Clayton 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 3 banks, 0 have their main office in Clayton, 3 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 Community Bank's office at 205 State St, dating to 2005; the newest is Carthage Savings and Loan's at 325 State St, from 2009.

None of the 3 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Clayton, and where the nearest one is if they do not.

Short answer: No branches in Clayton: Chase (nearest in Oswego, 58 mi), Wells Fargo (nearest in Kingston, 190 mi), Bank of America (nearest in Cicero, 75 mi), PNC Bank (nearest in New York, 258 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 264 mi), Huntington, Regions Bank, TD Bank (nearest in Warrensburg, 126 mi), BMO.

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

Banks near Clayton

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

Short answer: The closest towns with more choice are Alexandria Bay (10 miles) and Chaumont (12 miles). Watertown, 20 miles away, has the most banks nearby: 5.

Bank branch openings and closings in Clayton

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

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

Largest banks in Clayton by total assets

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

Short answer: Community Bank is the largest bank with offices in Clayton, with $17.45 billion in total assets on June 30, 2026, No. 114 among U.S. banks by total assets. Watertown Savings Bank is second with $971.0 million. 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 Clayton: FAQ

How we build this page

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