Banks in Franklin, NY

Bank branch map: Franklin

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: 2 banks and credit unions operate 2 locations in Franklin, according to the FDIC and the NCUA. 2 of them have coordinates on record and are on the map. 1 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 and credit unions in Franklin

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

Short answer: Wayne Bank is the only bank with an office in Franklin. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Chen-del-o Credit Union 1 office · main office Franklin, NY Credit union · 1

Chen-del-o Credit Union has 1 office in Franklin, 3 across New York. It is based in Franklin, NY and $34.7 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.

• Main Office main office

  114 Main St, 13775

  (607) 829-3560Today 8 am to 4:30 pm

  All hours

  Mon to Thu 8 am to 4:30 pm; Fri 8 am to 5:30 pm; Sat 8:30 am to 11:30 am; Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Chen-del-o Credit Union: profile, branches and contacts

Wayne Bank 1 branch · main office Honesdale, PA Bank · 1

Wayne Bank has 1 branch in Franklin, 14 across New York and 33 nationwide. FDIC records list its main office in Honesdale, PA and show it operating since 1871. With $2.91 billion in total assets on June 30, 2026, it ranks No. 440 of 4,232 U.S. banks by total assets. The Franklin Branch at 536 Main St dates to 1960 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Franklin Branch

  536 Main St, 13775

  Hours: see the bank's site
  DirectionsWebsite

Wayne Bank: profile, branches and contacts

Join a credit union in Franklin

1 credit union has 1 office here: Chen-del-o 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 Franklin page has every office in the state's directory.

Banking in Franklin: the local picture

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

Wayne Bank has its main office in Honesdale, PA, according to the FDIC.

The bank with the longest record here is Wayne Bank, operating since 1871 according to the FDIC.

The only credit union with an office here is Chen-del-o Credit Union.

Of the 1 location with published hours. 1 opens on Saturday. 1 location has no published hours in these sources.

Credit unions open on Saturday in Franklin

Short answer: 1 of the 1 Franklin location with published hours opens on Saturday, run by 1 institution.

• Chen-del-o Credit Union: 1 of 1 office (114 Main St: Saturday 8:30 am to 11:30 am)

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; 1 of the 2 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 Franklin, and where the nearest one is if they do not.

Short answer: No branches in Franklin: Chase (nearest in Vestal, 44 mi), Wells Fargo (nearest in Kingston, 65 mi), Bank of America (nearest in Kingston, 65 mi), PNC Bank (nearest in New York, 121 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 126 mi), Huntington, Regions Bank, TD Bank (nearest in Monticello, 53 mi), BMO.

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

Banks near Franklin

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

Short answer: The closest towns with more choice are Oneonta (9 miles) and Sidney (12 miles). Oneonta, 9 miles away, has the most banks nearby: 4.

Bank branch openings and closings in Franklin

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

Short answer: FDIC branch records show no bank branch openings in Franklin 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 Franklin

Short answer: 1 institution has its main office in Franklin: Chen-del-o Credit Union.

Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.

Largest banks in Franklin by total assets

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

Short answer: Wayne Bank is the largest bank with offices in Franklin, with $2.91 billion in total assets on June 30, 2026, No. 440 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 Franklin: FAQ

How we build this page

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