Banks in Saranac Lake, NY

Bank branch map: Saranac Lake

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 8 locations in Saranac Lake, according to the FDIC and the NCUA. 8 of them have coordinates on record and are on the map. 1 publish opening hours.

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 Saranac Lake

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Community Bank and Arrow Bank have the most locations in Saranac Lake, with 2 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.

Arrow Bank 2 branches · main office Glens Falls, NY Bank · 2

Arrow Bank has 2 branches in Saranac Lake, 57 across New York and 38 nationwide. FDIC records list its main office in Glens Falls, NY and show it operating since 1851. With $4.46 billion in total assets on June 30, 2026, it ranks No. 311 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Saranac Lake location is the Church Street Extension Branch at 139 Church St, dating to 1995; the newest, at 67 Main St, to 1997. It does not publish hours in the sources this page uses; check its site before you go.

• Church Street Extension Branch

  139 Church St, 12983

  Hours: see the bank's site
  DirectionsWebsite
• Saranac Branch

  67 Main St, 12983

  Hours: see the bank's site
  DirectionsWebsite

Arrow Bank: profile, branches and contacts

Community Bank Community Bank, National Association · 2 branches · main office Canton, NY Bank · 2

Community Bank has 2 branches in Saranac Lake, 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. In FDIC branch records, its longest-running Saranac Lake location is the Saranac Lake Broadway Branch at 46 Broadway, dating to 1974; the newest, at 20 Saint Bernard St, to 1995. It does not publish hours in the sources this page uses; check its site before you go.

• Saranac Branch

  20 Saint Bernard St, 12983

  Hours: see the bank's site
  DirectionsWebsite
• Saranac Lake Broadway Branch

  46 Broadway, 12983

  Hours: see the bank's site
  DirectionsWebsite

Community Bank: profile, branches and contacts

Champlain National Bank 1 branch · main office Elizabethtown, NY Bank · 1

Champlain National Bank has 1 branch in Saranac Lake, 10 across New York and 10 nationwide. FDIC records list its main office in Elizabethtown, NY and show it operating since 1934. With $497.1 million in total assets on June 30, 2026, it ranks No. 1,803 of 4,232 U.S. banks by total assets. The Saranac Lake Branch at 151 Church St dates to 2017 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Saranac Lake Branch

  151 Church St, 12983

  Hours: see the bank's site
  DirectionsWebsite

Champlain National Bank: profile, branches and contacts

NBT Bank NBT Bank, National Association · 1 branch · main office Norwich, NY Bank · 1

NBT Bank has 1 branch in Saranac Lake, 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 Saranac Lake Branch at 209 Lake Flower Ave dates to 1966 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Saranac Lake Branch

  209 Lake Flower Ave, 12983

  Hours: see the bank's site
  DirectionsWebsite

NBT Bank: profile, branches and contacts

The North Country Savings Bank 1 branch · main office Canton, NY Bank · 1

The North Country Savings Bank has 1 branch in Saranac Lake, 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 North Country Savings Bank Saranac Lake Branch at 68 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.

• North Country Savings Bank Saranac Lake Branch

  68 Main Street, 12983

  Hours: see the bank's site
  DirectionsWebsite

The North Country Savings Bank: profile, branches and contacts

Tri-lakes Credit Union 1 office · main office Saranac Lake, NY Credit union · 1

Tri-lakes Credit Union has 1 office in Saranac Lake, 2 across New York. It is based in Saranac Lake, NY and $28.4 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.

• Main Office main office

  197 Broadway, 12983

  (518) 891-1666Today 8:30 am to 5 pm

  All hours

  Mon to Fri 8:30 am to 5 pm; Sat to Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Tri-lakes Credit Union: profile, branches and contacts

Join a credit union in Saranac Lake

1 credit union has 1 office here: Tri-lakes 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 Saranac Lake page has every office in the state's directory.

Banking in Saranac Lake: the local picture

Short answer: 5 banks run 7 branches in Saranac Lake 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, 0 have their main office in Saranac Lake, 5 elsewhere in New York, according to the FDIC.

The bank with the longest record here is Arrow Bank, operating since 1851 according to the FDIC. In FDIC branch records, the longest-running branch is NBT Bank's office at 209 Lake Flower Ave, dating to 1966; the newest is The North Country Savings Bank's at 68 Main Street, from 2024.

The only credit union with an office here is Tri-lakes Credit Union.

Of the 1 location with published hours. None open on Saturday. 7 locations have no published hours in these sources.

Saturday hours in Saranac Lake

Short answer: None of the 1 Saranac Lake location with published hours lists Saturday hours. 7 locations do not publish hours in these sources; call ahead.

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; 7 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 Saranac Lake, and where the nearest one is if they do not.

Short answer: No branches in Saranac Lake: Chase (nearest in Saratoga Springs, 86 mi), Wells Fargo (nearest in Kingston, 166 mi), Bank of America (nearest in Saratoga Springs, 88 mi), PNC Bank (nearest in New York, 240 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 247 mi), Huntington, Regions Bank, TD Bank (nearest in Peru, 35 mi), BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Saranac Lake 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%.

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 Saranac Lake residents like anyone else.

Banks near Saranac Lake

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Lake Placid (7 miles) and Tupper Lake (18 miles). Plattsburgh, 41 miles away, has the most banks nearby: 8.

Bank branch openings and closings in Saranac Lake

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Saranac Lake 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 Saranac Lake

Short answer: 1 institution has its main office in Saranac Lake: Tri-lakes Credit Union.

Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.

Largest banks in Saranac Lake by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Saranac Lake offices.

Short answer: Community Bank is the largest bank with offices in Saranac Lake, with $17.45 billion in total assets on June 30, 2026, No. 114 among U.S. banks by total assets. NBT Bank is second with $16.09 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

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 Saranac Lake: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.