US Bank Directory
Banks in Fredonia, NY
3 FDIC-insured banks operate 4 offices in Fredonia, New York, and 3 credit unions have 3 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: Fredonia
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: 6 banks and credit unions operate 7 locations in Fredonia, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
6 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 Fredonia
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: M&T Bank has the most locations in Fredonia, with 2. The other 2 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.
M&T Bank Bank · 2
M&T Bank has 2 branches in Fredonia, 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. In FDIC branch records, its longest-running Fredonia location is the Fredonia Branch at 1 E Main St, dating to 1957; the newest, at 24 E Main St, to 1966. It opens on Saturday.
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Fredonia Branch1 E Main St, 14063
All hours
Mon closed; Tue to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun closed
Hours: M&T Bank branch locator (All The Places), checked Oct 10, 2026
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Fredonia Drive-In Facility24 E Main St, 14063
Inner Lakes Credit Union Credit union · 1
Inner Lakes Credit Union has 1 office in Fredonia, 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. It opens on Saturday.
Who can join: see the credit union's site.
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3795 Lakeview Rd.3795 Lakeview Rd, 14063
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Lake Shore Bank Bank · 1
Lake Shore Bank has 1 branch in Fredonia, 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. The Fredonia Branch at 30 E Main St dates to 1988 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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Fredonia Branch30 E Main St, 14063
Suny Fredonia Credit Union Credit union · 1
Suny Fredonia Credit Union has 1 office in Fredonia, 1 across New York. It is based in Fredonia, NY and $48.2 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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Main Office main office280 Central Ave G139 Williams Center, 14063
All hours
Mon 9 am to 4 pm; Tue to Wed 9 am to 2 pm; Thu 8 am to 4 pm; Fri 9 am to 4 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Western Division Credit Union Credit union · 1
Western Division Credit Union has 1 office in Fredonia, 2 across New York. It is based in Williamsville, NY and $225.6 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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Fredonia264 E Main St, 14063
All hours
Mon to Wed 9 am to 4 pm; Thu to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Woodforest Bank · 1
Woodforest has 1 branch in Fredonia, 12 across New York and 743 nationwide. FDIC records list its main office in The Woodlands, TX and show it operating since 1980. With $8.98 billion in total assets on June 30, 2026, it ranks No. 181 of 4,232 U.S. banks by total assets. The Fredonia Branch at 10401 Bennett Rd dates to 2008 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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Fredonia Branch10401 Bennett Rd, 14063
Join a credit union in Fredonia
3 credit unions have 3 offices here: Western Division Credit Union, Inner Lakes Credit Union and Suny Fredonia 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 Fredonia page has every office in the state's directory.
Banking in Fredonia: the local picture
Short answer: 3 banks run 4 branches in Fredonia 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 Fredonia, 2 elsewhere in New York and 1 out of state, according to the FDIC.
The bank with the longest record here is M&T Bank, operating since 1856 according to the FDIC. In FDIC branch records, the longest-running branch is M&T Bank's office at 1 E Main St, dating to 1957; the newest is Woodforest's at 10401 Bennett Rd, from 2008.
3 credit unions have 3 offices in Fredonia, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. 2 open on Saturday. 3 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Fredonia
Short answer: 2 of the 4 Fredonia locations with published hours open on Saturday, run by 2 institutions.
- M&T Bank: 1 of 2 branches (1 E Main St: Saturday 9 am to 12 pm)
- Inner Lakes Credit Union: 1 of 1 office (3795 Lakeview Rd: 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; 3 of the 7 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 Fredonia, and where the nearest one is if they do not.
Short answer: No branches in Fredonia: Chase (nearest in Hamburg, 34 mi), Wells Fargo (nearest in Kingston, 274 mi), Bank of America (nearest in Hamburg, 31 mi), PNC Bank (nearest in New York, 299 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 300 mi), Huntington, Regions Bank, TD Bank (nearest in Monticello, 244 mi), BMO.
| Bank | In Fredonia | Nearest branch if none here |
|---|---|---|
| Chase | None | Hamburg, 34 miles away |
| Wells Fargo | None | Kingston, 274 miles away |
| Bank of America | None | Hamburg, 31 miles away |
| PNC Bank | None | New York, 299 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 300 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| TD Bank | None | Monticello, 244 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 Fredonia 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 Fredonia residents like anyone else.
Banks near Fredonia
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Dunkirk (2 miles) and Silver Creek (11 miles). Lakewood, 24 miles away, has the most banks nearby: 5.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Dunkirk, NY | 2 mi | 4 | 6 |
| Banks in Silver Creek, NY | 11 mi | 2 | 2 |
| Banks in Westfield, NY | 15 mi | 2 | 2 |
| Banks in Mayville, NY | 16 mi | 2 | 2 |
| Banks in Angola, NY | 20 mi | 2 | 2 |
| Banks in Falconer, NY | 23 mi | 2 | 2 |
| Banks in Lakewood, NY | 24 mi | 5 | 5 |
| Banks in Jamestown, NY | 25 mi | 5 | 7 |
Bank branch openings and closings in Fredonia
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Fredonia 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 Fredonia
Short answer: 1 institution has its main office in Fredonia: Suny Fredonia Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Suny Fredonia Credit Union | Credit union | $48.2 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Fredonia by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Fredonia offices.
Short answer: M&T Bank is the largest bank with offices in Fredonia, with $218.79 billion in total assets on June 30, 2026, No. 21 among U.S. banks by total assets. Woodforest is second with $8.98 billion. 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 | 2 | Buffalo, NY |
| Woodforest | $8.98 billion | No. 181 | 1 | The Woodlands, TX |
| Lake Shore Bank | $735.9 million | No. 1,336 | 1 | Dunkirk, 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 Fredonia: FAQ
How many banks are in Fredonia, NY?
Fredonia has 3 banks with 4 branches and 3 credit unions with 3 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 Fredonia?
M&T Bank, with 2. Woodforest has 1 and Lake Shore Bank has 1.
Is there a M&T Bank in Fredonia, NY?
Yes. FDIC data lists 2 M&T Bank branches in Fredonia as of September 5, 2026. Its branches are listed under M&T Bank above, with the address and directions for each.
Is there a Woodforest in Fredonia, NY?
Yes. FDIC data lists 1 Woodforest branch in Fredonia as of September 5, 2026. The address and directions are under Woodforest above.
Is there a Lake Shore Bank in Fredonia, NY?
Yes. FDIC data lists 1 Lake Shore Bank branch in Fredonia as of September 5, 2026. The address and directions are under Lake Shore Bank above.
Is there a Chase in Fredonia, NY?
No. FDIC data lists no Chase branch in Fredonia as of September 5, 2026. The nearest is in Hamburg, about 34 miles away in a straight line.
Which banks in Fredonia are open on Saturday?
M&T Bank and Inner Lakes Credit Union publish Saturday hours for one or more Fredonia locations. The Saturday section above lists each one with its hours. 3 of the 7 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Fredonia?
Suny Fredonia Credit Union has its main office in Fredonia, according to the FDIC and the NCUA.
What is the oldest bank in Fredonia?
M&T Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1856.
Which credit unions can I join in Fredonia?
Western Division Credit Union, Inner Lakes Credit Union and Suny Fredonia Credit Union have offices in Fredonia. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Fredonia 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 Fredonia?
Nearby cities with more banks include Dunkirk, Silver Creek, Westfield. Dunkirk is 2 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 2 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 4 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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