US Bank Directory
Banks in Elmira, NY
4 FDIC-insured banks operate 6 offices in Elmira, New York, and 6 credit unions have 7 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: Elmira
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: 10 banks and credit unions operate 13 locations in Elmira, according to the FDIC and the NCUA. 12 of them have coordinates on record and are on the map. 8 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 Elmira
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Chemung Canal Trust has the most locations in Elmira, with 3. The other 3 each 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.
Chemung Canal Trust Bank · 3
Chemung Canal Trust has 3 branches in Elmira, 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. In FDIC branch records, its longest-running Elmira location is its main office at 1 Chemung Canal Plz, dating to 1833; the newest, at 951 Pennsylvania Ave, to 1970. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office1 Chemung Canal Plz, 14901
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West Side Branch628 W Church St, 14905
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Southport Branch951 Pennsylvania Ave, 14904
Corning Credit Union Credit union · 2
Corning Credit Union has 2 officees in Elmira, 11 across New York. It is based in Corning, NY and $2.73 billion in assets on March 31, 2026, according to its NCUA call report. None of its 2 Elmira locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Elmira Branch1100 Clemens Center Pkwy Wegmans Plaza, 14901
All hours
Mon to Wed 9 am to 4:30 pm; Thu to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Elmira High School Branch777 S Main St Rm 203, 14904
All hours
Mon to Wed not published; Thu 11:35 am to 1:50 pm; Fri to Sun not published
Hours: NCUA, March 31, 2026
Community Bank Bank · 1
Community Bank has 1 branch in Elmira, 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 Elmira Branch at 300 W Water 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.
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Elmira Branch300 W Water St, 14901
Empower Credit Union Credit union · 1
Empower Credit Union has 1 office in Elmira, 25 across New York. It is based in Syracuse, NY and $4.27 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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Elmira351 N Main St, 14901
All hours
Mon to Wed 9 am to 4 pm; Thu to Fri 9 am to 5 pm; Sat closed; Sun not published
Hours: NCUA, March 31, 2026
Finger Lakes Health Care Credit Union Credit union · 1
Finger Lakes Health Care Credit Union has 1 office in Elmira, 1 across New York. It is based in Elmira, NY and $35.0 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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Main Office main office519 Hart St, 14905
All hours
Mon to Fri 7:30 am to 4 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
First Heritage Credit Union Credit union · 1
First Heritage Credit Union has 1 office in Elmira, 7 across New York. It is based in Corning, NY and $838.4 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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Southport1707 Cedar St, 14904
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Five Star Bank Bank · 1
Five Star Bank has 1 branch in Elmira, 48 across New York and 48 nationwide. FDIC records list its main office in Rochester, NY and show it operating since 1881. With $6.29 billion in total assets on June 30, 2026, it ranks No. 242 of 4,232 U.S. banks by total assets. The Elmira Branch at 100 W Water St dates to 1853 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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Elmira Branch100 W Water St, 14901
M&T Bank Bank · 1
M&T Bank has 1 branch in Elmira, 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. The Horseheads Branch at 2490 Corning Rd dates to 1972 in FDIC branch records. Its published hours do not list Saturday.
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Horseheads Branch2490 Corning Rd, 14903
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
Solutions Credit Union Credit union · 1
Solutions Credit Union has 1 office in Elmira, 1 across New York. It is based in Elmira, NY and $43.0 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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Main Office main office907 Broadway St, 14904
All hours
Mon 8:30 am to 5 pm; Tue to Wed 8:30 am to 4:30 pm; Thu to Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Visions Credit Union Credit union · 1
Visions Credit Union has 1 office in Elmira, 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. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Elmira303 N Main St Langdon Plaza, 14901
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Elmira
6 credit unions have 7 offices here: Corning Credit Union, Visions Credit Union, Empower Credit Union, First Heritage Credit Union, Solutions Credit Union and Finger Lakes Health Care 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 Elmira page has every office in the state's directory.
Banking in Elmira: the local picture
Short answer: 4 banks run 6 branches in Elmira 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 Elmira, 3 elsewhere in New York, 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 Chemung Canal Trust's office at 1 Chemung Canal Plz, dating to 1833; the newest is M&T Bank's at 2490 Corning Rd, from 1972.
6 credit unions have 7 offices in Elmira, according to the NCUA. Who can join each one is on the credit unions page.
Of the 8 locations with published hours. 1 opens on Saturday. 5 locations have no published hours in these sources.
Banks by ZIP code in Elmira
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 14901 has the most bank and credit union offices in Elmira (6), followed by 14904 (4) and 14905 (2). Offices are spread across 4 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 14901 | 6 | 6 | Chemung Canal Trust, Community Bank, Corning Credit Union |
| 14904 | 4 | 4 | Chemung Canal Trust, Corning Credit Union, First Heritage Credit Union |
| 14905 | 2 | 2 | Chemung Canal Trust, Finger Lakes Health Care Credit Union |
| 14903 | 1 | 1 | M&T Bank |
Credit unions open on Saturday in Elmira
Short answer: 1 of the 8 Elmira locations with published hours opens on Saturday, run by 1 institution.
- Finger Lakes Health Care Credit Union: 1 of 1 office (519 Hart St: 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 13 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 Elmira, and where the nearest one is if they do not.
Short answer: No branches in Elmira: Chase (nearest in Ithaca, 29 mi), Wells Fargo (nearest in Kingston, 144 mi), Bank of America (nearest in Camillus, 71 mi), PNC Bank (nearest in New York, 172 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 174 mi), Huntington, Regions Bank, TD Bank (nearest in Monticello, 113 mi), BMO.
| Bank | In Elmira | Nearest branch if none here |
|---|---|---|
| Chase | None | Ithaca, 29 miles away |
| Wells Fargo | None | Kingston, 144 miles away |
| Bank of America | None | Camillus, 71 miles away |
| PNC Bank | None | New York, 172 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 174 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| TD Bank | None | Monticello, 113 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 Elmira 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 Elmira residents like anyone else.
Banks near Elmira
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Horseheads (5 miles) and Corning (13 miles). Ithaca, 30 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Horseheads, NY | 5 mi | 4 | 5 |
| Banks in Corning, NY | 13 mi | 3 | 3 |
| Banks in Painted Post, NY | 15 mi | 2 | 2 |
| Banks in Waverly, NY | 16 mi | 2 | 2 |
| Banks in Watkins Glen, NY | 20 mi | 2 | 2 |
| Banks in Owego, NY | 29 mi | 3 | 3 |
| Banks in Ithaca, NY | 30 mi | 7 | 15 |
| Banks in Bath, NY | 31 mi | 3 | 3 |
Bank branch openings and closings in Elmira
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Elmira 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 Elmira
Short answer: 3 institutions have their main office in Elmira: Chemung Canal Trust, Solutions Credit Union and Finger Lakes Health Care Credit Union.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Chemung Canal Trust | Bank | $2.82 billion | 3 |
| Solutions Credit Union | Credit union | $43.0 million | 1 |
| Finger Lakes Health Care Credit Union | Credit union | $35.0 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Elmira by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Elmira offices.
Short answer: M&T Bank is the largest bank with offices in Elmira, with $218.79 billion in total assets on June 30, 2026, No. 21 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 |
|---|---|---|---|---|
| M&T Bank | $218.79 billion | No. 21 | 1 | Buffalo, NY |
| Community Bank | $17.45 billion | No. 114 | 1 | Canton, NY |
| Five Star Bank | $6.29 billion | No. 242 | 1 | Rochester, NY |
| Chemung Canal Trust | $2.82 billion | No. 458 | 3 | Elmira, 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 Elmira: FAQ
How many banks are in Elmira, NY?
Elmira has 4 banks with 6 branches and 6 credit unions with 7 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 Elmira?
Chemung Canal Trust, with 3. M&T Bank has 1 and Community Bank has 1.
Is there a Chemung Canal Trust in Elmira, NY?
Yes. FDIC data lists 3 Chemung Canal Trust branches in Elmira as of September 5, 2026, the main office at 1 Chemung Canal Plz. Its branches are listed under Chemung Canal Trust above, with the address and directions for each.
Is there a M&T Bank in Elmira, NY?
Yes. FDIC data lists 1 M&T Bank branch in Elmira as of September 5, 2026. The address and directions are under M&T Bank above.
Is there a Community Bank in Elmira, NY?
Yes. FDIC data lists 1 Community Bank branch in Elmira as of September 5, 2026. The address and directions are under Community Bank above.
Is there a Chase in Elmira, NY?
No. FDIC data lists no Chase branch in Elmira as of September 5, 2026. The nearest is in Ithaca, about 29 miles away in a straight line.
Which banks in Elmira are open on Saturday?
Finger Lakes Health Care Credit Union publishes Saturday hours for one or more Elmira locations. The Saturday section above lists each one with its hours. 5 of the 13 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Elmira?
Chemung Canal Trust, Solutions Credit Union and Finger Lakes Health Care Credit Union have their main office in Elmira, according to the FDIC and the NCUA.
What is the oldest bank in Elmira?
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 Elmira?
Corning Credit Union, Visions Credit Union, Empower Credit Union and First Heritage Credit Union and 2 more have offices in Elmira. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Elmira 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 Elmira?
Nearby cities with more banks include Horseheads, Corning, Painted Post. Horseheads is 5 miles away with 4 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 6 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: M&T Bank) | 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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