US Bank Directory
Banks in Owego, NY
3 FDIC-insured banks operate 3 offices in Owego, New York, and 1 credit union has 2 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: Owego
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: 4 banks and credit unions operate 5 locations in Owego, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
5 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 Owego
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: M&T Bank, Chemung Canal Trust and Tioga State Bank have the most locations in Owego, with 1 each. 3 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.
Visions Credit Union Credit union · 2
Visions Credit Union has 2 officees in Owego, 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. 1 of its 2 Owego locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Lockheed Martin1801 State Route 17C, 13827
All hours
Mon not published; Tue to Thu 11 am to 3 pm; Fri to Sun not published
Hours: NCUA, March 31, 2026
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Owego26 Day Hollow Rd, 13827
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Chemung Canal Trust Bank · 1
Chemung Canal Trust has 1 branch in Owego, 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. The 203 Main Street Branch at 203 Main St dates to 1883 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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203 Main Street Branch203 Main St, 13827
M&T Bank Bank · 1
M&T Bank has 1 branch in Owego, 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 Owego Branch at 195 Front St dates to 1999 in FDIC branch records. Its published hours do not list Saturday.
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Owego Branch195 Front St, 13827
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
Tioga State Bank Bank · 1
Tioga State Bank has 1 branch in Owego, 10 across New York and 10 nationwide. FDIC records list its main office in Spencer, NY and show it operating since 1884. With $625.2 million in total assets on June 30, 2026, it ranks No. 1,517 of 4,232 U.S. banks by total assets. The Owego Fifth Avenue Branch at 923 State Route 17c 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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Owego Fifth Avenue Branch923 State Route 17c, 13827
Join a credit union in Owego
1 credit union has 2 offices here: Visions 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 Owego page has every office in the state's directory.
Banking in Owego: the local picture
Short answer: 3 banks run 3 branches in Owego 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 Owego, 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 203 Main St, dating to 1883; the newest is M&T Bank's at 195 Front St, from 1999.
The only credit union with an office here is Visions Credit Union.
Of the 3 locations with published hours. 1 opens on Saturday. 2 locations have no published hours in these sources.
Credit unions open on Saturday in Owego
Short answer: 1 of the 3 Owego locations with published hours opens on Saturday, run by 1 institution.
- Visions Credit Union: 1 of 2 offices (26 Day Hollow 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; 2 of the 5 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 Owego, and where the nearest one is if they do not.
Short answer: No branches in Owego: Chase (nearest in Vestal, 15 mi), Wells Fargo (nearest in Kingston, 115 mi), Bank of America (nearest in Syracuse, 64 mi), PNC Bank (nearest in New York, 148 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 150 mi), Huntington, Regions Bank, TD Bank (nearest in Monticello, 86 mi), BMO.
| Bank | In Owego | Nearest branch if none here |
|---|---|---|
| Chase | None | Vestal, 15 miles away |
| Wells Fargo | None | Kingston, 115 miles away |
| Bank of America | None | Syracuse, 64 miles away |
| PNC Bank | None | New York, 148 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 150 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| TD Bank | None | Monticello, 86 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 Owego 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 Owego residents like anyone else.
Banks near Owego
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Endicott (10 miles) and Endwell (12 miles). Vestal, 13 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Endicott, NY | 10 mi | 3 | 4 |
| Banks in Endwell, NY | 12 mi | 2 | 2 |
| Banks in Vestal, NY | 13 mi | 7 | 8 |
| Banks in Johnson City, NY | 15 mi | 4 | 5 |
| Banks in Waverly, NY | 16 mi | 2 | 2 |
| Banks in Binghamton, NY | 18 mi | 7 | 13 |
| Banks in Ithaca, NY | 27 mi | 7 | 15 |
| Banks in Dryden, NY | 27 mi | 2 | 2 |
Bank branch openings and closings in Owego
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Owego between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Owego by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Owego offices.
Short answer: M&T Bank is the largest bank with offices in Owego, with $218.79 billion in total assets on June 30, 2026, No. 21 among U.S. banks by total assets. Chemung Canal Trust is second with $2.82 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 | 1 | Buffalo, NY |
| Chemung Canal Trust | $2.82 billion | No. 458 | 1 | Elmira, NY |
| Tioga State Bank | $625.2 million | No. 1,517 | 1 | Spencer, 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 Owego: FAQ
How many banks are in Owego, NY?
Owego has 3 banks with 3 branches and 1 credit union with 2 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 Owego?
M&T Bank, with 1. Chemung Canal Trust has 1 and Tioga State Bank has 1.
Is there a M&T Bank in Owego, NY?
Yes. FDIC data lists 1 M&T Bank branch in Owego as of September 5, 2026. The address and directions are under M&T Bank above.
Is there a Chemung Canal Trust in Owego, NY?
Yes. FDIC data lists 1 Chemung Canal Trust branch in Owego as of September 5, 2026. The address and directions are under Chemung Canal Trust above.
Is there a Tioga State Bank in Owego, NY?
Yes. FDIC data lists 1 Tioga State Bank branch in Owego as of September 5, 2026. The address and directions are under Tioga State Bank above.
Is there a Chase in Owego, NY?
No. FDIC data lists no Chase branch in Owego as of September 5, 2026. The nearest is in Vestal, about 15 miles away in a straight line.
Which banks in Owego are open on Saturday?
Visions Credit Union publishes Saturday hours for one or more Owego locations. The Saturday section above lists each one with its hours. 2 of the 5 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Owego?
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 Owego?
Visions Credit Union has an office in Owego. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Owego 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 Owego?
Nearby cities with more banks include Endicott, Endwell, Vestal. Endicott is 10 miles away with 3 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 3 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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