US Bank Directory
Banks in Horseheads, NY
4 FDIC-insured banks operate 5 offices in Horseheads, 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.
Bank branch map: Horseheads
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: 7 banks and credit unions operate 8 locations in Horseheads, according to the FDIC and the NCUA. 8 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
8 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 Horseheads
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 Horseheads, with 2. 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 · 2
Chemung Canal Trust has 2 branches in Horseheads, 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 Horseheads location is the Horseheads Branch at 602 S Main St, dating to 1962; the newest, at 29 Arnot Rd, to 1967. It does not publish hours in the sources this page uses; check its site before you go.
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Arnot Road Office Branch29 Arnot Rd, 14845
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Horseheads Branch602 S Main St, 14845
Community Bank Bank · 1
Community Bank has 1 branch in Horseheads, 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 Horseheads Grand Central Ave Branch at 2149 Grand Central Ave dates to 1969 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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Horseheads Grand Central Ave Branch2149 Grand Central Ave, 14845
Corning Credit Union Credit union · 1
Corning Credit Union has 1 office in Horseheads, 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. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Horseheads Branch101 John Roemmelt Dr, 14845
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
First Heritage Credit Union Credit union · 1
First Heritage Credit Union has 1 office in Horseheads, 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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Horseheads501 Gardner Rd, 14845
All hours
Mon to Wed 8:30 am to 4:30 pm; Thu to Fri 8:30 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 Horseheads, 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 Horseheads Branch at 309 S Main St dates to 1937 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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Horseheads Branch309 S Main St, 14845
Visions Credit Union Credit union · 1
Visions Credit Union has 1 office in Horseheads, 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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Horseheads1631 County Route 64 Southern Tier Crossing, 14845
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Woodforest Bank · 1
Woodforest has 1 branch in Horseheads, 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 8032 Horseheads Branch at 1400 County Route 64 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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8032 Horseheads Branch1400 County Route 64, 14845
Join a credit union in Horseheads
3 credit unions have 3 offices here: Visions Credit Union, Corning Credit Union and First Heritage 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 Horseheads page has every office in the state's directory.
Banking in Horseheads: the local picture
Short answer: 4 banks run 5 branches in Horseheads 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, 0 have their main office in Horseheads, 3 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 Five Star Bank's office at 309 S Main St, dating to 1937; the newest is Woodforest's at 1400 County Route 64, from 2008.
3 credit unions have 3 offices in Horseheads, according to the NCUA. Who can join each one is on the credit unions page.
Of the 3 locations with published hours. 1 opens on Saturday. 5 locations have no published hours in these sources.
Credit unions open on Saturday in Horseheads
Short answer: 1 of the 3 Horseheads locations with published hours opens on Saturday, run by 1 institution.
- Visions Credit Union: 1 of 1 office (1631 County Route 64 Southern Tier Crossing: 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 8 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 Horseheads, and where the nearest one is if they do not.
Short answer: No branches in Horseheads: Chase (nearest in Ithaca, 26 mi), Wells Fargo (nearest in Kingston, 146 mi), Bank of America (nearest in Camillus, 67 mi), PNC Bank (nearest in New York, 175 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 177 mi), Huntington, Regions Bank, TD Bank (nearest in Monticello, 116 mi), BMO.
| Bank | In Horseheads | Nearest branch if none here |
|---|---|---|
| Chase | None | Ithaca, 26 miles away |
| Wells Fargo | None | Kingston, 146 miles away |
| Bank of America | None | Camillus, 67 miles away |
| PNC Bank | None | New York, 175 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 177 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| TD Bank | None | Monticello, 116 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 Horseheads 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 Horseheads residents like anyone else.
Banks near Horseheads
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Elmira (5 miles) and Corning (11 miles). Ithaca, 27 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Elmira, NY | 5 mi | 4 | 6 |
| Banks in Corning, NY | 11 mi | 3 | 3 |
| Banks in Painted Post, NY | 14 mi | 2 | 2 |
| Banks in Watkins Glen, NY | 15 mi | 2 | 2 |
| Banks in Waverly, NY | 19 mi | 2 | 2 |
| Banks in Ithaca, NY | 27 mi | 7 | 15 |
| Banks in Bath, NY | 28 mi | 3 | 3 |
| Banks in Owego, NY | 30 mi | 3 | 3 |
Bank branch openings and closings in Horseheads
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Horseheads between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Horseheads by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Horseheads offices.
Short answer: Community Bank is the largest bank with offices in Horseheads, with $17.45 billion in total assets on June 30, 2026, No. 114 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 |
|---|---|---|---|---|
| Community Bank | $17.45 billion | No. 114 | 1 | Canton, NY |
| Woodforest | $8.98 billion | No. 181 | 1 | The Woodlands, TX |
| Five Star Bank | $6.29 billion | No. 242 | 1 | Rochester, NY |
| Chemung Canal Trust | $2.82 billion | No. 458 | 2 | 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 Horseheads: FAQ
How many banks are in Horseheads, NY?
Horseheads has 4 banks with 5 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 Horseheads?
Chemung Canal Trust, with 2. Community Bank has 1 and Woodforest has 1.
Is there a Chemung Canal Trust in Horseheads, NY?
Yes. FDIC data lists 2 Chemung Canal Trust branches in Horseheads as of September 5, 2026. Its branches are listed under Chemung Canal Trust above, with the address and directions for each.
Is there a Community Bank in Horseheads, NY?
Yes. FDIC data lists 1 Community Bank branch in Horseheads as of September 5, 2026. The address and directions are under Community Bank above.
Is there a Woodforest in Horseheads, NY?
Yes. FDIC data lists 1 Woodforest branch in Horseheads as of September 5, 2026. The address and directions are under Woodforest above.
Is there a Chase in Horseheads, NY?
No. FDIC data lists no Chase branch in Horseheads as of September 5, 2026. The nearest is in Ithaca, about 26 miles away in a straight line.
Which banks in Horseheads are open on Saturday?
Visions Credit Union publishes Saturday hours for one or more Horseheads locations. The Saturday section above lists each one with its hours. 5 of the 8 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Horseheads?
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 Horseheads?
Visions Credit Union, Corning Credit Union and First Heritage Credit Union have offices in Horseheads. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Horseheads 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 Horseheads?
Nearby cities with more banks include Elmira, Corning, Painted Post. Elmira 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 3 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 |
| 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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