US Bank Directory
Banks in Oyster Bay, NY
3 FDIC-insured banks operate 3 offices in Oyster Bay, New York, and 1 credit union has 1 office.
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: Oyster Bay
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 4 locations in Oyster Bay, according to the FDIC and the NCUA. 4 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
4 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 Oyster Bay
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Bank of America, Valley Bank and American Community Bank have the most locations in Oyster Bay, 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.
American Community Bank Bank · 1
American Community Bank has 1 branch in Oyster Bay, 6 across New York and 6 nationwide. FDIC records list its main office in Glen Cove, NY and show it operating since 2000. With $306.5 million in total assets on June 30, 2026, it ranks No. 2,447 of 4,232 U.S. banks by total assets. The Oyster Bay Branch at 68 West Main Street dates to 2024 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Oyster Bay Branch68 West Main Street, 11771
Bank of America Bank · 1
Bank of America has 1 branch in Oyster Bay, 251 across New York and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The Oyster Bay Branch at 157 South St dates to 1961 in FDIC branch records. It opens on Saturday.
-
Oyster Bay Branch157 South St, 11771
All hours
Mon closed; Tue to Fri 9 am to 4 pm; Sat 9 am to 2 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Nassau Financial Credit Union Credit union · 1
Nassau Financial Credit Union has 1 office in Oyster Bay, 6 across New York. It is based in East Meadow, NY and $336.4 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.
-
Oyster Bay50 Audrey Ave, 11771
All hours
Mon 8:30 am to 4 pm; Tue not published; Wed 8:30 am to 4 pm; Thu 8:30 am to 6 pm; Fri 8:30 am to 4 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Valley Bank Bank · 1
Valley Bank has 1 branch in Oyster Bay, 41 across New York and 232 nationwide. FDIC records list its main office in Passaic, NJ and show it operating since 1927. With $66.23 billion in total assets on June 30, 2026, it ranks No. 43 of 4,232 U.S. banks by total assets. The Oyster Bay Branch at 135 South St dates to 1980 in FDIC branch records. It opens on Saturday.
-
Oyster Bay Branch135 South St, 11771
All hours
Mon to Fri 9 am to 4 pm; Sat 9 am to 12 pm; Sun closed
Hours: Valley Bank branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Oyster Bay
1 credit union has 1 office here: Nassau Financial 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 Oyster Bay page has every office in the state's directory.
Banking in Oyster Bay: the local picture
Short answer: 3 banks run 3 branches in Oyster Bay 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 Oyster Bay, 1 elsewhere in New York and 2 out of state, according to the FDIC.
The bank with the longest record here is Bank of America, operating since 1904 according to the FDIC. In FDIC branch records, the longest-running branch is Bank of America's office at 157 South St, dating to 1961; the newest is American Community Bank's at 68 West Main Street, from 2024.
The only credit union with an office here is Nassau Financial Credit Union.
Of the 3 locations with published hours. 3 open on Saturday. 1 location has no published hours in these sources.
Banks and credit unions open on Saturday in Oyster Bay
Short answer: 3 of the 3 Oyster Bay locations with published hours open on Saturday, run by 3 institutions.
- Bank of America: 1 of 1 branch (157 South St: Saturday 9 am to 2 pm)
- Valley Bank: 1 of 1 branch (135 South St: Saturday 9 am to 12 pm)
- Nassau Financial Credit Union: 1 of 1 office (50 Audrey Ave: Saturday 9 am to 1 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; 1 of the 4 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 Oyster Bay, and where the nearest one is if they do not.
Short answer: In Oyster Bay: Bank of America (1). No branches in Oyster Bay: Chase (nearest in East Norwich, 2 mi), Wells Fargo (nearest in Syosset, 4 mi), PNC Bank (nearest in New York, 21 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 25 mi), Huntington, Regions Bank, TD Bank (nearest in East Norwich, 2 mi), BMO.
| Bank | In Oyster Bay | Nearest branch if none here |
|---|---|---|
| Bank of America | 1 branch | here |
| Chase | None | East Norwich, 2 miles away |
| Wells Fargo | None | Syosset, 4 miles away |
| PNC Bank | None | New York, 21 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 25 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| TD Bank | None | East Norwich, 2 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 Oyster Bay 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 Oyster Bay residents like anyone else.
Banks near Oyster Bay
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are East Norwich (2 miles) and Locust Valley (3 miles). Huntington, 6 miles away, has the most banks nearby: 10.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in East Norwich, NY | 2 mi | 2 | 2 |
| Banks in Locust Valley, NY | 3 mi | 3 | 3 |
| Banks in Syosset, NY | 4 mi | 9 | 10 |
| Banks in Glen Cove, NY | 5 mi | 7 | 8 |
| Banks in Woodbury, NY | 5 mi | 6 | 6 |
| Banks in Glen Head, NY | 5 mi | 4 | 4 |
| Banks in Huntington, NY | 6 mi | 10 | 10 |
| Banks in Jericho, NY | 6 mi | 8 | 10 |
Bank branch openings and closings in Oyster Bay
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Oyster Bay between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Oyster Bay by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Oyster Bay offices.
Short answer: Bank of America is the largest bank with offices in Oyster Bay, with $2.65 trillion in total assets on June 30, 2026, No. 2 among U.S. banks by total assets. Valley Bank is second with $66.23 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Valley Bank | $66.23 billion | No. 43 | 1 | Passaic, NJ |
| American Community Bank | $306.5 million | No. 2,447 | 1 | Glen Cove, 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 Oyster Bay: FAQ
How many banks are in Oyster Bay, NY?
Oyster Bay has 3 banks with 3 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Oyster Bay?
Bank of America, with 1. Valley Bank has 1 and American Community Bank has 1.
Is there a Bank of America in Oyster Bay, NY?
Yes. FDIC data lists 1 Bank of America branch in Oyster Bay as of September 5, 2026. The address and directions are under Bank of America above.
Is there a Valley Bank in Oyster Bay, NY?
Yes. FDIC data lists 1 Valley Bank branch in Oyster Bay as of September 5, 2026. The address and directions are under Valley Bank above.
Is there a American Community Bank in Oyster Bay, NY?
Yes. FDIC data lists 1 American Community Bank branch in Oyster Bay as of September 5, 2026. The address and directions are under American Community Bank above.
Is there a Chase in Oyster Bay, NY?
No. FDIC data lists no Chase branch in Oyster Bay as of September 5, 2026. The nearest is in East Norwich, about 2 miles away in a straight line.
Which banks in Oyster Bay are open on Saturday?
Bank of America, Valley Bank and Nassau Financial Credit Union publish Saturday hours for one or more Oyster Bay locations. The Saturday section above lists each one with its hours. 1 of the 4 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Oyster Bay?
Bank of America has the longest record among banks with a branch here: the FDIC shows it operating since 1904.
Which credit unions can I join in Oyster Bay?
Nassau Financial Credit Union has an office in Oyster Bay. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Oyster Bay 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 Oyster Bay?
Nearby cities with more banks include East Norwich, Locust Valley, Syosset. East Norwich is 2 miles away with 2 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 1 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 (2 of 3 branches: Bank of America, Valley 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 |
See your odds before you apply
Banrox shows how likely a card or loan is for your profile, from your own data, without a hard pull. Platform live; card in early access; no card issued.
Check your odds