US Bank Directory
Banks in Saratoga Springs, NY
10 FDIC-insured banks operate 20 offices in Saratoga Springs, New York, and 5 credit unions have 5 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: Saratoga Springs
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: 15 banks and credit unions operate 25 locations in Saratoga Springs, according to the FDIC and the NCUA. 25 of them have coordinates on record and are on the map. 8 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
25 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 Saratoga Springs
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: The Adirondack Trust has the most locations in Saratoga Springs, with 7. It is followed by Trustco Bank (3), Arrow Bank (3). 7 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.
The Adirondack Trust Bank · 7
The Adirondack Trust has 7 branches in Saratoga Springs, 13 across New York and 13 nationwide. FDIC records list its main office in Saratoga Springs, NY and show it operating since 1901. With $1.70 billion in total assets on June 30, 2026, it ranks No. 667 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Saratoga Springs location is its main office at 473 Broadway, dating to 1901; the newest, at 100 Saratoga Blvd, to 2004. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office473 Broadway, 12866
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Prestwick Chase Branch100 Saratoga Blvd, 12866
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112 Broadway Branch112 S Broadway, 12866
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Northline Road Branch162 Northline Road, 12020
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Exit 15 Branch3017 Route 50, 12866
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West Church Branch315 Church Street, 12866
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Wilton Branch650 Maple Avenue, 12866
Arrow Bank Bank · 3
Arrow Bank has 3 branches in Saratoga Springs, 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 Saratoga Springs location is the Route 9 Branch at 3 Carpenter Ln, dating to 1991; the newest, at 139 Broadway, to 2024. It does not publish hours in the sources this page uses; check its site before you go.
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South Broadway Branch139 Broadway, 12866
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Route 9 Branch3 Carpenter Ln, 12866
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The West Avenue Office Branch91 West Avenue, 12866
Trustco Bank Bank · 3
Trustco Bank has 3 branches in Saratoga Springs, 80 across New York and 133 nationwide. FDIC records list its main office in Glenville, NY and show it operating since 1925. With $6.52 billion in total assets on June 30, 2026, it ranks No. 238 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Saratoga Springs location is the Saratoga Springs Branch at 34 Congress St, dating to 2003; the newest, at 4208 Route 50, to 2023. It does not publish hours in the sources this page uses; check its site before you go.
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Saratoga Springs Branch34 Congress St, 12866
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Wilton Branch4208 Route 50, 12866
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Northern Pines Road Branch649 Maple Ave, 12866
Bank of America Bank · 1
Bank of America has 1 branch in Saratoga Springs, 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 Saratoga Branch at 27 Division St dates to 1960 in FDIC branch records. It opens on Saturday.
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Saratoga Branch27 Division St, 12866
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Broadview Credit Union Credit union · 1
Broadview Credit Union has 1 office in Saratoga Springs, 62 across New York. It is based in Albany, NY and $9.20 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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Wilton7 Lowes Dr, 12866
All hours
Mon to Tue 8 am to 5 pm; Wed to Fri 8 am to 6 pm; Sat 8 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Chase Bank · 1
Chase has 1 branch in Saratoga Springs, 581 across New York and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. The Saratoga Springs Rt 50 Branch at 3086 Route 50 dates to 2023 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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Saratoga Springs Rt 50 Branch3086 Route 50, 12866
Chemung Canal Trust Bank · 1
Chemung Canal Trust has 1 branch in Saratoga Springs, 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 Wilton Branch at 3057 Route 50 dates to 2018 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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Wilton Branch3057 Route 50, 12866
Citizens Bank · 1
Citizens has 1 branch in Saratoga Springs, 170 across New York and 977 nationwide. FDIC records list its main office in Providence, RI and show it operating since 2005. With $232.52 billion in total assets on June 30, 2026, it ranks No. 20 of 4,232 U.S. banks by total assets. The Saratoga Branch at 1 Ballston Ave dates to 1982 in FDIC branch records. It opens on Saturday.
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Saratoga Branch1 Ballston Ave, 12866
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: Citizens branch locator (All The Places), checked Oct 10, 2026
First National Bank of Scotia Bank · 1
First National Bank of Scotia has 1 branch in Saratoga Springs, 10 across New York and 10 nationwide. FDIC records list its main office in Scotia, NY and show it operating since 1923. With $719.0 million in total assets on June 30, 2026, it ranks No. 1,361 of 4,232 U.S. banks by total assets. The Saratoga Branch at 3013 Route 50 dates to 1973 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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Saratoga Branch3013 Route 50, 12866
First New York Credit Union Credit union · 1
First New York Credit Union has 1 office in Saratoga Springs, 9 across New York. It is based in Albany, NY and $556.3 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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Saratoga Location424 Maple Ave, 12866
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
KeyBank Bank · 1
KeyBank has 1 branch in Saratoga Springs, 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 Wilton Branch at 3016 Route 50 dates to 1973 in FDIC branch records. It opens on Saturday.
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Wilton Branch3016 Route 50, 12866
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: KeyBank branch locator (All The Places), checked Oct 10, 2026
Navy Federal Credit Union Credit union · 1
Navy Federal Credit Union has 1 office in Saratoga Springs, 4 across New York. It is based in Vienna, VA and $203.56 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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Nsa Saratoga Springs Ny19 J F King Dr Bldg 105, 12866
All hours
Mon to Fri 9 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
NBT Bank Bank · 1
NBT Bank has 1 branch in Saratoga Springs, 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 Saratoga Springs Branch at 295 Broadway dates to 1923 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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Saratoga Springs Branch295 Broadway, 12866
Saratoga's Community Credit Union Credit union · 1
Saratoga's Community Credit Union has 1 office in Saratoga Springs, 2 across New York. It is based in Saratoga Spring, NY and $59.2 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 office189 Ballston Ave, 12866
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun closed
Hours: NCUA, March 31, 2026
Sunmark Credit Union Credit union · 1
Sunmark Credit Union has 1 office in Saratoga Springs, 16 across New York. It is based in Albany, NY and $1.20 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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Wilton Branch3090 Route 50, 12866
All hours
Mon to Sun 24 hours
Hours: NCUA, March 31, 2026
Join a credit union in Saratoga Springs
5 credit unions have 5 offices here: Navy Federal Credit Union, Broadview Credit Union, Sunmark Credit Union, First New York Credit Union and Saratoga's Community 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 Saratoga Springs page has every office in the state's directory.
Banking in Saratoga Springs: the local picture
Short answer: 10 banks run 20 branches in Saratoga Springs 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 10 banks, 1 has its main office in Saratoga Springs, 5 elsewhere in New York and 4 out of state, according to the FDIC.
The bank with the longest record here is Chase, operating since 1824 according to the FDIC. In FDIC branch records, the longest-running branch is The Adirondack Trust's office at 473 Broadway, dating to 1901; the newest is Arrow Bank's at 139 Broadway, from 2024.
5 credit unions have 5 offices in Saratoga Springs, according to the NCUA. Who can join each one is on the credit unions page.
Of the 8 locations with published hours. 7 open on Saturday. 17 locations have no published hours in these sources.
Banks by ZIP code in Saratoga Springs
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 12866 has the most bank and credit union offices in Saratoga Springs (24), followed by 12020 (1). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 12866 | 24 | 15 | The Adirondack Trust, Arrow Bank, Trustco Bank |
| 12020 | 1 | 1 | The Adirondack Trust |
Banks and credit unions open on Saturday in Saratoga Springs
Short answer: 7 of the 8 Saratoga Springs locations with published hours open on Saturday, run by 7 institutions.
- Bank of America: 1 of 1 branch (27 Division St: Saturday 9 am to 2 pm)
- Citizens: 1 of 1 branch (1 Ballston Ave: Saturday 9 am to 12 pm)
- KeyBank: 1 of 1 branch (3016 Route 50: Saturday 9 am to 12 pm)
- Broadview Credit Union: 1 of 1 office (7 Lowes Dr: Saturday 8 am to 2 pm)
- Sunmark Credit Union: 1 of 1 office (3090 Route 50: Saturday 24 hours)
- First New York Credit Union: 1 of 1 office (424 Maple Ave: Saturday 9 am to 1 pm)
- Saratoga's Community Credit Union: 1 of 1 office (189 Ballston 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; 17 of the 25 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 Saratoga Springs, and where the nearest one is if they do not.
Short answer: In Saratoga Springs: Chase (1), Bank of America (1). No branches in Saratoga Springs: Wells Fargo (nearest in Kingston, 81 mi), PNC Bank (nearest in New York, 155 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 162 mi), Huntington, Regions Bank, TD Bank (nearest in Mechanicville, 14 mi), BMO.
| Bank | In Saratoga Springs | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| Bank of America | 1 branch | here |
| Wells Fargo | None | Kingston, 81 miles away |
| PNC Bank | None | New York, 155 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 162 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| TD Bank | None | Mechanicville, 14 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 Saratoga Springs 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 Saratoga Springs residents like anyone else.
Banks near Saratoga Springs
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Wilton (2 miles) and Ballston Spa (7 miles). Ballston Spa, 7 miles away, has the most banks nearby: 4.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Wilton, NY | 2 mi | 2 | 2 |
| Banks in Ballston Spa, NY | 7 mi | 4 | 7 |
| Banks in Malta, NY | 8 mi | 4 | 4 |
| Banks in Ballston Lake, NY | 12 mi | 3 | 5 |
| Banks in Mechanicville, NY | 12 mi | 3 | 3 |
| Banks in Greenwich, NY | 14 mi | 3 | 3 |
| Banks in Schaghticoke, NY | 15 mi | 2 | 2 |
| Banks in South Glens Falls, NY | 16 mi | 4 | 4 |
Bank branch openings and closings in Saratoga Springs
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Saratoga Springs 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 Saratoga Springs
Short answer: 1 institution has its main office in Saratoga Springs: The Adirondack Trust.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| The Adirondack Trust | Bank | $1.70 billion | 7 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Saratoga Springs by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Saratoga Springs offices.
Short answer: Chase is the largest bank with offices in Saratoga Springs, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Bank of America is second with $2.65 trillion. 1 of the 10 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 |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 1 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Citizens | $232.52 billion | No. 20 | 1 | Providence, RI |
| KeyBank | $188.56 billion | No. 23 | 1 | Cleveland, OH |
| NBT Bank | $16.09 billion | No. 122 | 1 | Norwich, NY |
| Trustco Bank | $6.52 billion | No. 238 | 3 | Glenville, NY |
| Arrow Bank | $4.46 billion | No. 311 | 3 | Glens Falls, NY |
| Chemung Canal Trust | $2.82 billion | No. 458 | 1 | Elmira, NY |
| The Adirondack Trust | $1.70 billion | No. 667 | 7 | Saratoga Springs, NY |
| First National Bank of Scotia | $719.0 million | No. 1,361 | 1 | Scotia, 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 Saratoga Springs: FAQ
How many banks are in Saratoga Springs, NY?
Saratoga Springs has 10 banks with 20 branches and 5 credit unions with 5 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 Saratoga Springs?
The Adirondack Trust, with 7. Trustco Bank has 3 and Arrow Bank has 3.
Is there a The Adirondack Trust in Saratoga Springs, NY?
Yes. FDIC data lists 7 The Adirondack Trust branches in Saratoga Springs as of September 5, 2026, the main office at 473 Broadway. Its branches are listed under The Adirondack Trust above, with the address and directions for each.
Is there a Trustco Bank in Saratoga Springs, NY?
Yes. FDIC data lists 3 Trustco Bank branches in Saratoga Springs as of September 5, 2026. Its branches are listed under Trustco Bank above, with the address and directions for each.
Is there a Arrow Bank in Saratoga Springs, NY?
Yes. FDIC data lists 3 Arrow Bank branches in Saratoga Springs as of September 5, 2026. Its branches are listed under Arrow Bank above, with the address and directions for each.
Is there a Wells Fargo in Saratoga Springs, NY?
No. FDIC data lists no Wells Fargo branch in Saratoga Springs as of September 5, 2026. The nearest is in Kingston, about 81 miles away in a straight line.
Which banks in Saratoga Springs are open on Saturday?
Bank of America, Citizens, KeyBank and Broadview Credit Union and 3 more publish Saturday hours for one or more Saratoga Springs locations. The Saturday section above lists each one with its hours. 17 of the 25 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Saratoga Springs?
The Adirondack Trust has its main office in Saratoga Springs, according to the FDIC.
What is the oldest bank in Saratoga Springs?
Chase has the longest record among banks with a branch here: the FDIC shows it operating since 1824.
Which credit unions can I join in Saratoga Springs?
Navy Federal Credit Union, Broadview Credit Union, Sunmark Credit Union and First New York Credit Union and 1 more have offices in Saratoga Springs. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Saratoga Springs 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 Saratoga Springs?
Nearby cities with more banks include Wilton, Ballston Spa, Malta. Wilton 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 5 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 (3 of 20 branches: Bank of America, Citizens, 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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