US Bank Directory
Banks in Cortland, NY
5 FDIC-insured banks operate 7 offices in Cortland, New York, and 4 credit unions have 5 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: Cortland
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: 9 banks and credit unions operate 12 locations in Cortland, according to the FDIC and the NCUA. 12 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
12 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 Cortland
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: KeyBank and NBT Bank have the most locations in Cortland, with 2 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.
Beginnings Credit Union Credit union · 2
Beginnings Credit Union has 2 officees in Cortland, 16 across New York. It is based in Ithaca, NY and $1.51 billion in assets on March 31, 2026, according to its NCUA call report. 1 of its 2 Cortland locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Port Watson Street182 Port Watson St, 13045
All hours
Mon to Fri 9 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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Route 281 Cortland3910 State Route 281 Tops Plaza, 13045
All hours
Mon to Fri 9 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
KeyBank Bank · 2
KeyBank has 2 branches in Cortland, 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 Cortland location is the Cortland Branch at 1 N Main St, dating to 1866; the newest, at 33 Main St, to 1976. It opens on Saturday.
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Cortland Branch1 N Main St, 13045
All hours
Mon to Wed 9 am to 4 pm; Thu to 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
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North Main Street Drive-Up33 Main St, 13045
NBT Bank Bank · 2
NBT Bank has 2 branches in Cortland, 128 across New York and 175 nationwide. FDIC records list its main office in Norwich, NY and show it operating since 1856. With $16.09 billion in total assets on June 30, 2026, it ranks No. 122 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Cortland location is the Cortland Branch at 65 Main St, dating to 1869; the newest, at 1125 State Route 222, to 1963. It does not publish hours in the sources this page uses; check its site before you go.
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Cortland Groton Ave Branch1125 State Route 222, 13045
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Cortland Branch65 Main St, 13045
Americu Credit Union Credit union · 1
Americu Credit Union has 1 office in Cortland, 23 across New York. It is based in Rome, NY and $3.01 billion 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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Cortland3944 Ny-281, 13045
All hours
Mon to Tue 9 am to 4 pm; Wed to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Chemung Canal Trust Bank · 1
Chemung Canal Trust has 1 branch in Cortland, 28 across New York and 30 nationwide. FDIC records list its main office in Elmira, NY and show it operating since 1833. With $2.82 billion in total assets on June 30, 2026, it ranks No. 458 of 4,232 U.S. banks by total assets. The Groton Avenue Branch at 1094 Groton Ave dates to 1982 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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Groton Avenue Branch1094 Groton Ave, 13045
The First National Bank of Dryden Bank · 1
The First National Bank of Dryden has 1 branch in Cortland, 3 across New York and 3 nationwide. FDIC records list its main office in Dryden, NY and show it operating since 1902. With $203.9 million in total assets on June 30, 2026, it ranks No. 2,963 of 4,232 U.S. banks by total assets. The Cortland Branch at 853 Route 13 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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Cortland Branch853 Route 13, 13045
the Summit Credit Union Credit union · 1
the Summit Credit Union has 1 office in Cortland, 15 across New York. It is based in Rochester, NY and $1.48 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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Cortland877 State Route 13, 13045
All hours
Mon to Tue 9 am to 4 pm; Wed 10 am to 4 pm; Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Tompkins Bank & Trust Bank · 1
Tompkins Bank & Trust has 1 branch in Cortland, 41 across New York and 59 nationwide. FDIC records list its main office in Ithaca, NY and show it operating since 1934. With $8.79 billion in total assets on June 30, 2026, it ranks No. 185 of 4,232 U.S. banks by total assets. The Cortland Branch at 36 Main St dates to 2002 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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Cortland Branch36 Main St, 13045
Visions Credit Union Credit union · 1
Visions Credit Union has 1 office in Cortland, 34 across New York. It is based in Endicott, NY and $5.25 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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Cortland141 Clinton Ave, 13045
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Cortland
4 credit unions have 5 offices here: Beginnings Credit Union, Visions Credit Union, Americu Credit Union and the Summit 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 Cortland page has every office in the state's directory.
Banking in Cortland: the local picture
Short answer: 5 banks run 7 branches in Cortland 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 5 banks, 0 have their main office in Cortland, 4 elsewhere in New York and 1 out of state, according to the FDIC.
The bank with the longest record here is Chemung Canal Trust, operating since 1833 according to the FDIC. In FDIC branch records, the longest-running branch is KeyBank's office at 1 N Main St, dating to 1866; the newest is The First National Bank of Dryden's at 853 Route 13, from 2004.
4 credit unions have 5 offices in Cortland, according to the NCUA. Who can join each one is on the credit unions page.
Of the 6 locations with published hours. 4 open on Saturday. 6 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Cortland
Short answer: 4 of the 6 Cortland locations with published hours open on Saturday, run by 4 institutions.
- KeyBank: 1 of 2 branches (1 N Main St: Saturday 9 am to 12 pm)
- Beginnings Credit Union: 1 of 2 offices (182 Port Watson St: Saturday 9 am to 12 pm)
- Visions Credit Union: 1 of 1 office (141 Clinton Ave: Saturday 9 am to 12 pm)
- the Summit Credit Union: 1 of 1 office (877 State Route 13: 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; 6 of the 12 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 Cortland, and where the nearest one is if they do not.
Short answer: No branches in Cortland: Chase (nearest in Ithaca, 19 mi), Wells Fargo (nearest in Kingston, 120 mi), Bank of America (nearest in Syracuse, 30 mi), PNC Bank (nearest in New York, 168 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 171 mi), Huntington, Regions Bank, TD Bank (nearest in Monticello, 101 mi), BMO.
| Bank | In Cortland | Nearest branch if none here |
|---|---|---|
| Chase | None | Ithaca, 19 miles away |
| Wells Fargo | None | Kingston, 120 miles away |
| Bank of America | None | Syracuse, 30 miles away |
| PNC Bank | None | New York, 168 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 171 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| TD Bank | None | Monticello, 101 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 Cortland 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 Cortland residents like anyone else.
Banks near Cortland
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Homer (3 miles) and Dryden (9 miles). Ithaca, 18 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Homer, NY | 3 mi | 2 | 2 |
| Banks in Dryden, NY | 9 mi | 2 | 2 |
| Banks in Moravia, NY | 14 mi | 2 | 2 |
| Banks in Ithaca, NY | 18 mi | 7 | 15 |
| Banks in Skaneateles, NY | 27 mi | 3 | 3 |
| Banks in Cazenovia, NY | 29 mi | 3 | 3 |
| Banks in Auburn, NY | 30 mi | 7 | 10 |
| Banks in Manlius, NY | 31 mi | 5 | 6 |
Bank branch openings and closings in Cortland
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Cortland between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Cortland by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Cortland offices.
Short answer: KeyBank is the largest bank with offices in Cortland, with $188.56 billion in total assets on June 30, 2026, No. 23 among U.S. banks by total assets. NBT Bank is second with $16.09 billion. 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 |
| NBT Bank | $16.09 billion | No. 122 | 2 | Norwich, NY |
| Tompkins Bank & Trust | $8.79 billion | No. 185 | 1 | Ithaca, NY |
| Chemung Canal Trust | $2.82 billion | No. 458 | 1 | Elmira, NY |
| The First National Bank of Dryden | $203.9 million | No. 2,963 | 1 | Dryden, 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 Cortland: FAQ
How many banks are in Cortland, NY?
Cortland has 5 banks with 7 branches and 4 credit unions with 5 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 Cortland?
KeyBank, with 2. NBT Bank has 2 and Tompkins Bank & Trust has 1.
Is there a KeyBank in Cortland, NY?
Yes. FDIC data lists 2 KeyBank branches in Cortland as of September 5, 2026. Its branches are listed under KeyBank above, with the address and directions for each.
Is there a NBT Bank in Cortland, NY?
Yes. FDIC data lists 2 NBT Bank branches in Cortland as of September 5, 2026. Its branches are listed under NBT Bank above, with the address and directions for each.
Is there a Tompkins Bank & Trust in Cortland, NY?
Yes. FDIC data lists 1 Tompkins Bank & Trust branch in Cortland as of September 5, 2026. The address and directions are under Tompkins Bank & Trust above.
Is there a Chase in Cortland, NY?
No. FDIC data lists no Chase branch in Cortland as of September 5, 2026. The nearest is in Ithaca, about 19 miles away in a straight line.
Which banks in Cortland are open on Saturday?
KeyBank, Beginnings Credit Union, Visions Credit Union and the Summit Credit Union publish Saturday hours for one or more Cortland locations. The Saturday section above lists each one with its hours. 6 of the 12 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Cortland?
Chemung Canal Trust has the longest record among banks with a branch here: the FDIC shows it operating since 1833.
Which credit unions can I join in Cortland?
Beginnings Credit Union, Visions Credit Union, Americu Credit Union and the Summit Credit Union have offices in Cortland. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Cortland 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 Cortland?
Nearby cities with more banks include Homer, Dryden, Moravia. Homer is 3 miles away with 2 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 5 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 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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