Banks in Spencer, NY

Bank branch map: Spencer

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: 2 banks and credit unions operate 2 locations in Spencer, according to the FDIC and the NCUA. 2 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 Spencer

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

Short answer: Tioga State Bank is the only bank with an office in Spencer. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Tioga State Bank 1 branch · main office Spencer, NY Bank · 1

Tioga State Bank has 1 branch in Spencer, 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. Its main office at 1 N Main St dates to 1884 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  1 N Main St, 14883

  Hours: see the bank's site
  DirectionsWebsite

Tioga State Bank: profile, branches and contacts

Visions Credit Union 1 office · main office Endicott, NY Credit union · 1

Visions Credit Union has 1 office in Spencer, 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. Its published hours do not list Saturday.

Who can join: see the credit union's site.

• Spencer

  95 Orchard St, 14883

  (607) 587-7602Today 9 am to 5 pm

  All hours

  Mon to Fri 9 am to 5 pm; Sat to Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Visions Credit Union: profile, branches and contacts

Join a credit union in Spencer

1 credit union has 1 office 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 Spencer page has every office in the state's directory.

Banking in Spencer: the local picture

Short answer: 1 bank runs 1 branch in Spencer according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Tioga State Bank has its main office in Spencer, according to the FDIC.

The bank with the longest record here is Tioga State Bank, operating since 1884 according to the FDIC.

The only credit union with an office here is Visions Credit Union.

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

Saturday hours in Spencer

Short answer: None of the 1 Spencer location with published hours lists Saturday hours. 1 location does 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; 1 of the 2 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 Spencer, and where the nearest one is if they do not.

Short answer: No branches in Spencer: Chase (nearest in Ithaca, 16 mi), Wells Fargo (nearest in Kingston, 128 mi), Bank of America (nearest in Camillus, 58 mi), PNC Bank (nearest in New York, 162 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 165 mi), Huntington, Regions Bank, TD Bank (nearest in Monticello, 100 mi), BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Spencer 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 Spencer residents like anyone else.

Banks near Spencer

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

Short answer: The closest towns with more choice are Waverly (14 miles) and Owego (14 miles). Ithaca, 17 miles away, has the most banks nearby: 7.

Bank branch openings and closings in Spencer

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

Short answer: FDIC branch records show no bank branch openings in Spencer 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 Spencer

Short answer: 1 institution has its main office in Spencer: Tioga State Bank.

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

Largest banks in Spencer by total assets

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

Short answer: Tioga State Bank is the largest bank with offices in Spencer, with $625.2 million in total assets on June 30, 2026, No. 1,517 among U.S. banks by total assets. 1 of the 1 bank is headquartered here. 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 Spencer: FAQ

How we build this page

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