US Bank Directory
Banks in Massena, NY
5 FDIC-insured banks operate 5 offices in Massena, 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: Massena
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 8 locations in Massena, according to the FDIC and the NCUA. 8 of them have coordinates on record and are on the map. 4 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 Massena
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 5 banks share the most locations in Massena, with 1 each. 5 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 · 1
Community Bank has 1 branch in Massena, 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 Massena Branch at 121 Main St dates to 1986 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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Massena Branch121 Main St, 13662
KeyBank Bank · 1
KeyBank has 1 branch in Massena, 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 Massena Branch at 41 Main St dates to 1963 in FDIC branch records. Its published hours do not list Saturday.
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Massena Branch41 Main St, 13662
All hours
Mon to Wed 9 am to 4 pm; Thu to Fri 9 am to 5 pm; Sat to Sun not published
Hours: KeyBank branch locator (All The Places), checked Oct 10, 2026
Massena Savings and Loan Bank · 1
Massena Savings and Loan has 1 branch in Massena, 2 across New York and 2 nationwide. FDIC records list its main office in Massena, NY and show it operating since 1924. With $199.9 million in total assets on June 30, 2026, it ranks No. 2,994 of 4,232 U.S. banks by total assets. Its main office at 255 Main St dates to 1924 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 office255 Main St, 13662
NBT Bank Bank · 1
NBT Bank has 1 branch in Massena, 128 across New York and 175 nationwide. FDIC records list its main office in Norwich, NY and show it operating since 1856. With $16.09 billion in total assets on June 30, 2026, it ranks No. 122 of 4,232 U.S. banks by total assets. The Massena Branch at 264 Main St dates to 1992 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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Massena Branch264 Main St, 13662
Northern Credit Union Credit union · 1
Northern Credit Union has 1 office in Massena, 11 across New York. It is based in Watertown, NY and $682.1 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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Massena Relationship Center88 Parker Ave, 13662
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat not published; Sun closed
Hours: NCUA, March 31, 2026
Sea Comm Credit Union Credit union · 1
Sea Comm Credit Union has 1 office in Massena, 7 across New York. It is based in Massena, NY and $771.8 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 office30 Stearns St, 13662
All hours
Mon to Thu 8 am to 5 pm; Fri 8 am to 6 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
The North Country Savings Bank Bank · 1
The North Country Savings Bank has 1 branch in Massena, 8 across New York and 8 nationwide. FDIC records list its main office in Canton, NY and show it operating since 1909. With $373.5 million in total assets on June 30, 2026, it ranks No. 2,176 of 4,232 U.S. banks by total assets. The Massena Branch at 22 Phillips St dates to 1968 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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Massena Branch22 Phillips St, 13662
Twin Rivers Credit Union Credit union · 1
Twin Rivers Credit Union has 1 office in Massena, 1 across New York. It is based in Massena, NY and $39.4 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 office23 Phillips St, 13662
All hours
Mon to Fri 8:30 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Massena
3 credit unions have 3 offices here: Sea Comm Credit Union, Northern Credit Union and Twin Rivers 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 Massena page has every office in the state's directory.
Banking in Massena: the local picture
Short answer: 5 banks run 5 branches in Massena 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 5 banks, 1 has its main office in Massena, 3 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 Massena Savings and Loan's office at 255 Main St, dating to 1924; the newest is NBT Bank's at 264 Main St, from 1992.
3 credit unions have 3 offices in Massena, 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. 4 locations have no published hours in these sources.
Credit unions open on Saturday in Massena
Short answer: 2 of the 4 Massena locations with published hours open on Saturday, run by 2 institutions.
- Sea Comm Credit Union: 1 of 1 office (30 Stearns St: Saturday 9 am to 12 pm)
- Twin Rivers Credit Union: 1 of 1 office (23 Phillips 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; 4 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 Massena, and where the nearest one is if they do not.
Short answer: No branches in Massena: Chase (nearest in Oswego, 130 mi), Wells Fargo (nearest in Kingston, 212 mi), Bank of America (nearest in Cicero, 137 mi), PNC Bank (nearest in New York, 286 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 292 mi), Huntington, Regions Bank, TD Bank (nearest in Plattsburgh, 69 mi), BMO.
| Bank | In Massena | Nearest branch if none here |
|---|---|---|
| Chase | None | Oswego, 130 miles away |
| Wells Fargo | None | Kingston, 212 miles away |
| Bank of America | None | Cicero, 137 miles away |
| PNC Bank | None | New York, 286 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 292 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| TD Bank | None | Plattsburgh, 69 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 Massena 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 Massena residents like anyone else.
Banks near Massena
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Potsdam (18 miles) and Canton (27 miles). Ogdensburg, 33 miles away, has the most banks nearby: 5.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Potsdam, NY | 18 mi | 4 | 4 |
| Banks in Canton, NY | 27 mi | 3 | 5 |
| Banks in Malone, NY | 29 mi | 4 | 5 |
| Banks in Ogdensburg, NY | 33 mi | 5 | 5 |
| Banks in Gouverneur, NY | 50 mi | 4 | 4 |
| Banks in Tupper Lake, NY | 53 mi | 2 | 2 |
| Banks in Saranac Lake, NY | 56 mi | 5 | 7 |
| Banks in Lake Placid, NY | 62 mi | 4 | 6 |
Bank branch openings and closings in Massena
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Massena 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 Massena
Short answer: 3 institutions have their main office in Massena: Sea Comm Credit Union, Massena Savings and Loan and Twin Rivers Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Sea Comm Credit Union | Credit union | $771.8 million | 1 |
| Massena Savings and Loan | Bank | $199.9 million | 1 |
| Twin Rivers Credit Union | Credit union | $39.4 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Massena by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Massena offices.
Short answer: KeyBank is the largest bank with offices in Massena, 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 5 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 | 1 | Canton, NY |
| NBT Bank | $16.09 billion | No. 122 | 1 | Norwich, NY |
| The North Country Savings Bank | $373.5 million | No. 2,176 | 1 | Canton, NY |
| Massena Savings and Loan | $199.9 million | No. 2,994 | 1 | Massena, 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 Massena: FAQ
How many banks are in Massena, NY?
Massena has 5 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 Massena?
KeyBank, with 1. Community Bank has 1 and NBT Bank has 1.
Is there a KeyBank in Massena, NY?
Yes. FDIC data lists 1 KeyBank branch in Massena as of September 5, 2026. The address and directions are under KeyBank above.
Is there a Community Bank in Massena, NY?
Yes. FDIC data lists 1 Community Bank branch in Massena as of September 5, 2026. The address and directions are under Community Bank above.
Is there a NBT Bank in Massena, NY?
Yes. FDIC data lists 1 NBT Bank branch in Massena as of September 5, 2026. The address and directions are under NBT Bank above.
Is there a Chase in Massena, NY?
No. FDIC data lists no Chase branch in Massena as of September 5, 2026. The nearest is in Oswego, about 130 miles away in a straight line.
Which banks in Massena are open on Saturday?
Sea Comm Credit Union and Twin Rivers Credit Union publish Saturday hours for one or more Massena locations. The Saturday section above lists each one with its hours. 4 of the 8 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Massena?
Sea Comm Credit Union, Massena Savings and Loan and Twin Rivers Credit Union have their main office in Massena, according to the FDIC and the NCUA.
What is the oldest bank in Massena?
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 Massena?
Sea Comm Credit Union, Northern Credit Union and Twin Rivers Credit Union have offices in Massena. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Massena 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 Massena?
Nearby cities with more banks include Potsdam, Canton, Malone. Potsdam is 18 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 |
| Bank branch hours, phones and branch pages (1 of 5 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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