US Bank Directory
Banks in Dunkirk, NY
4 FDIC-insured banks operate 6 offices in Dunkirk, New York, and 4 credit unions have 4 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: Dunkirk
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: 8 banks and credit unions operate 10 locations in Dunkirk, according to the FDIC and the NCUA. 10 of them have coordinates on record and are on the map. 5 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
10 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 Dunkirk
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Community Bank and Lake Shore Bank have the most locations in Dunkirk, with 2 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.
Community Bank Bank · 2
Community Bank has 2 branches in Dunkirk, 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. In FDIC branch records, its longest-running Dunkirk location is the Dunkirk Central Ave Branch at 345 Central Ave, dating to 1965; the newest, at 3909 Vineyard Dr, to 1965. It does not publish hours in the sources this page uses; check its site before you go.
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Dunkirk Central Ave Branch345 Central Ave, 14048
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Dunkirk Vineyard Dr Branch3909 Vineyard Dr, 14048
Lake Shore Bank Bank · 2
Lake Shore Bank has 2 branches in Dunkirk, 11 across New York and 11 nationwide. FDIC records list its main office in Dunkirk, NY and show it operating since 1891. With $735.9 million in total assets on June 30, 2026, it ranks No. 1,336 of 4,232 U.S. banks by total assets. Its main office at 128 E 4th St dates to 1891 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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Main Office main office128 E 4th St, 14048
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Www.Mylsbank.Com Branch128 E 4th St, 14048
Cattaraugus County Bank Bank · 1
Cattaraugus County Bank has 1 branch in Dunkirk, 7 across New York and 7 nationwide. FDIC records list its main office in Little Valley, NY and show it operating since 1902. With $384.7 million in total assets on June 30, 2026, it ranks No. 2,132 of 4,232 U.S. banks by total assets. The Dunkirk/Fredonia Branch at 1165 Main 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.
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Dunkirk/Fredonia Branch1165 Main St, 14048
Greater Chautauqua Credit Union Credit union · 1
Greater Chautauqua Credit Union has 1 office in Dunkirk, 4 across New York. It is based in Falconer, NY and $101.0 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.
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Greater Chautauqua Fcu57 Lake Shore Dr W, 14048
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
Greater Woodlawn Credit Union Credit union · 1
Greater Woodlawn Credit Union has 1 office in Dunkirk, 3 across New York. It is based in Blasdell, NY and $166.2 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.
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Greater Woodlawn Fcu3995 Vineyard Dr, 14048
All hours
Mon to Fri 8:30 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Inner Lakes Credit Union Credit union · 1
Inner Lakes Credit Union has 1 office in Dunkirk, 6 across New York. It is based in Westfield, NY and $162.1 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.
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Dunkirk Office338 Central Ave, 14048
All hours
Mon 9 am to 5 pm; Tue to Thu not published; Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
KeyBank Bank · 1
KeyBank has 1 branch in Dunkirk, 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. The Dunkirk Branch at 51 E 4th St dates to 1978 in FDIC branch records. Its published hours do not list Saturday.
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Dunkirk Branch51 E 4th St, 14048
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun not published
Hours: KeyBank branch locator (All The Places), checked Oct 10, 2026
Southern Chautauqua Credit Union Credit union · 1
Southern Chautauqua Credit Union has 1 office in Dunkirk, 10 across New York. It is based in Lakewood, NY and $166.2 million 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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Dunkirk3877 Vineyard Dr, 14048
All hours
Mon to Wed 9 am to 4:30 pm; Thu 9 am to 5 pm; Fri 9 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Dunkirk
4 credit unions have 4 offices here: Southern Chautauqua Credit Union, Greater Woodlawn Credit Union, Inner Lakes Credit Union and Greater Chautauqua 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 Dunkirk page has every office in the state's directory.
Banking in Dunkirk: the local picture
Short answer: 4 banks run 6 branches in Dunkirk 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 Dunkirk, 2 elsewhere in New York and 1 out of state, according to the FDIC.
The bank with the longest record here is KeyBank, operating since 1849 according to the FDIC. In FDIC branch records, the longest-running branch is Lake Shore Bank's office at 128 E 4th St, dating to 1891; the newest is Lake Shore Bank's at 128 E 4th St, from 2016.
4 credit unions have 4 offices in Dunkirk, according to the NCUA. Who can join each one is on the credit unions page.
Of the 5 locations with published hours. 1 opens on Saturday. 5 locations have no published hours in these sources.
Credit unions open on Saturday in Dunkirk
Short answer: 1 of the 5 Dunkirk locations with published hours opens on Saturday, run by 1 institution.
- Southern Chautauqua Credit Union: 1 of 1 office (3877 Vineyard Dr: Saturday 9 am to 12 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 10 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 Dunkirk, and where the nearest one is if they do not.
Short answer: No branches in Dunkirk: Chase (nearest in Hamburg, 33 mi), Wells Fargo (nearest in Kingston, 274 mi), Bank of America (nearest in Hamburg, 30 mi), PNC Bank (nearest in New York, 300 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 301 mi), Huntington, Regions Bank, TD Bank (nearest in Monticello, 245 mi), BMO.
| Bank | In Dunkirk | Nearest branch if none here |
|---|---|---|
| Chase | None | Hamburg, 33 miles away |
| Wells Fargo | None | Kingston, 274 miles away |
| Bank of America | None | Hamburg, 30 miles away |
| PNC Bank | None | New York, 300 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 301 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| TD Bank | None | Monticello, 245 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 Dunkirk 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 Dunkirk residents like anyone else.
Banks near Dunkirk
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Fredonia (2 miles) and Silver Creek (9 miles). Lakewood, 26 miles away, has the most banks nearby: 5.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Fredonia, NY | 2 mi | 3 | 4 |
| Banks in Silver Creek, NY | 9 mi | 2 | 2 |
| Banks in Westfield, NY | 16 mi | 2 | 2 |
| Banks in Mayville, NY | 18 mi | 2 | 2 |
| Banks in Angola, NY | 18 mi | 2 | 2 |
| Banks in Falconer, NY | 25 mi | 2 | 2 |
| Banks in Lakewood, NY | 26 mi | 5 | 5 |
| Banks in Jamestown, NY | 27 mi | 5 | 7 |
Bank branch openings and closings in Dunkirk
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Dunkirk 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 Dunkirk
Short answer: 1 institution has its main office in Dunkirk: Lake Shore Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Lake Shore Bank | Bank | $735.9 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Dunkirk by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Dunkirk offices.
Short answer: KeyBank is the largest bank with offices in Dunkirk, with $188.56 billion in total assets on June 30, 2026, No. 23 among U.S. banks by total assets. Community Bank is second with $17.45 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 |
|---|---|---|---|---|
| KeyBank | $188.56 billion | No. 23 | 1 | Cleveland, OH |
| Community Bank | $17.45 billion | No. 114 | 2 | Canton, NY |
| Lake Shore Bank | $735.9 million | No. 1,336 | 2 | Dunkirk, NY |
| Cattaraugus County Bank | $384.7 million | No. 2,132 | 1 | Little Valley, 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 Dunkirk: FAQ
How many banks are in Dunkirk, NY?
Dunkirk has 4 banks with 6 branches and 4 credit unions with 4 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 Dunkirk?
Community Bank, with 2. Lake Shore Bank has 2 and KeyBank has 1.
Is there a Community Bank in Dunkirk, NY?
Yes. FDIC data lists 2 Community Bank branches in Dunkirk as of September 5, 2026. Its branches are listed under Community Bank above, with the address and directions for each.
Is there a Lake Shore Bank in Dunkirk, NY?
Yes. FDIC data lists 2 Lake Shore Bank branches in Dunkirk as of September 5, 2026, the main office at 128 E 4th St. Its branches are listed under Lake Shore Bank above, with the address and directions for each.
Is there a KeyBank in Dunkirk, NY?
Yes. FDIC data lists 1 KeyBank branch in Dunkirk as of September 5, 2026. The address and directions are under KeyBank above.
Is there a Chase in Dunkirk, NY?
No. FDIC data lists no Chase branch in Dunkirk as of September 5, 2026. The nearest is in Hamburg, about 33 miles away in a straight line.
Which banks in Dunkirk are open on Saturday?
Southern Chautauqua Credit Union publishes Saturday hours for one or more Dunkirk locations. The Saturday section above lists each one with its hours. 5 of the 10 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Dunkirk?
Lake Shore Bank has its main office in Dunkirk, according to the FDIC.
What is the oldest bank in Dunkirk?
KeyBank has the longest record among banks with a branch here: the FDIC shows it operating since 1849.
Which credit unions can I join in Dunkirk?
Southern Chautauqua Credit Union, Greater Woodlawn Credit Union, Inner Lakes Credit Union and Greater Chautauqua Credit Union have offices in Dunkirk. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Dunkirk 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 Dunkirk?
Nearby cities with more banks include Fredonia, Silver Creek, Westfield. Fredonia is 2 miles away with 3 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 4 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: 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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