US Bank Directory
Banks in Utica, NY
8 FDIC-insured banks operate 11 offices in Utica, New York, and 8 credit unions have 10 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: Utica
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: 16 banks and credit unions operate 21 locations in Utica, according to the FDIC and the NCUA. 21 of them have coordinates on record and are on the map. 14 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
21 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 Utica
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Arrow Bank has the most locations in Utica, with 3. It is followed by M&T Bank (2). 6 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 Bank · 3
Arrow Bank has 3 branches in Utica, 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 Utica location is the Utica Branch at 2817 Genesee St, dating to 1985; the newest, at 185 Genesee St, to 2026. It does not publish hours in the sources this page uses; check its site before you go.
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Utica Branch185 Genesee St, 13501
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Utica Branch2817 Genesee St, 13501
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Charlotte Street Branch804 Charlotte St, 13501
First Source Credit Union Credit union · 2
First Source Credit Union has 2 officees in Utica, 6 across New York. It is based in New Hartford, NY and $1.12 billion in assets on March 31, 2026, according to its NCUA call report. All 2 of its Utica locations with published hours open on Saturday.
Who can join: see the credit union's site.
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First Source Federal Credit Union1634 Genesee St, 13502
All hours
Mon to Wed 9 am to 4 pm; Thu to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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First Source Federal Credit Union50 Auert Ave, 13502
All hours
Mon to Wed 9 am to 4 pm; Thu to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
G.p.o. Credit Union Credit union · 2
G.p.o. Credit Union has 2 officees in Utica, 9 across New York. It is based in New Hartford, NY and $621.7 million in assets on March 31, 2026, according to its NCUA call report. 1 of its 2 Utica locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Gpo Federal Credit Union2711 Genesee St, 13501
All hours
Mon to Wed 8:30 am to 5 pm; Thu 8:30 am to 5:30 pm; Fri to Sun not published
Hours: NCUA, March 31, 2026
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Gpo Federal Credit Union301 Bleecker St, 13501
All hours
Mon to Wed 8:30 am to 5 pm; Thu to Fri 8:30 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
M&T Bank Bank · 2
M&T Bank has 2 branches in Utica, 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. In FDIC branch records, its longest-running Utica location is the Downtown Utica Branch at 233 Genesee St, dating to 1839; the newest, at 1 Herkimer Rd, to 2001. 1 of its 2 Utica locations with published hours open on Saturday.
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North Utica Branch1 Herkimer Rd, 13502
All hours
Mon closed; Tue to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun closed
Hours: M&T Bank branch locator (All The Places), checked Oct 10, 2026
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Downtown Utica Branch233 Genesee St, 13501
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
Americu Credit Union Credit union · 1
Americu Credit Union has 1 office in Utica, 23 across New York. It is based in Rome, NY and $3.01 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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North Utica224 N Genesee St Ste 3, 13502
All hours
Mon to Tue 9 am to 4 pm; Wed to Thu 9 am to 5 pm; Fri to Sun not published
Hours: NCUA, March 31, 2026
Bank of Utica Bank · 1
Bank of Utica has 1 branch in Utica, 1 across New York and 1 nationwide. FDIC records list its main office in Utica, NY and show it operating since 1927. With $1.51 billion in total assets on June 30, 2026, it ranks No. 739 of 4,232 U.S. banks by total assets. Its main office at 222 Genesee St dates to 1927 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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Main Office main office222 Genesee St, 13502
Beacon Bank and Trust Bank · 1
Beacon Bank and Trust has 1 branch in Utica, 31 across New York and 151 nationwide. FDIC records list its main office in Boston, MA and show it operating since 1871. With $22.20 billion in total assets on June 30, 2026, it ranks No. 98 of 4,232 U.S. banks by total assets. The North Utica Branch at 50 Auert Ave dates to 1986 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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North Utica Branch50 Auert Ave, 13502
Citizens Bank · 1
Citizens has 1 branch in Utica, 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 Utica Downtown at 90 N Genesee St dates to 1987 in FDIC branch records. Its published hours do not list Saturday.
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Utica Downtown90 N Genesee St, 13502
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun not published
Hours: Citizens branch locator (All The Places), checked Oct 10, 2026
Empower Credit Union Credit union · 1
Empower Credit Union has 1 office in Utica, 25 across New York. It is based in Syracuse, NY and $4.27 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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Utica1928 Genesee St, 13502
All hours
Mon to Wed 9 am to 4 pm; Thu to Fri 9 am to 5 pm; Sat closed; Sun not published
Hours: NCUA, March 31, 2026
KeyBank Bank · 1
KeyBank has 1 branch in Utica, 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 East Utica Branch at 1125 Mohawk St dates to 1969 in FDIC branch records. It opens on Saturday.
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East Utica Branch1125 Mohawk St, 13501
All hours
Mon to Wed 9 am to 4 pm; Thu to 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
Mohawk Valley Credit Union Credit union · 1
Mohawk Valley Credit Union has 1 office in Utica, 2 across New York. It is based in Marcy, NY and $61.3 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.
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207 Genesee St207 Genesee St, 13501
All hours
Mon to Fri 9 am to 3:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
NBT Bank Bank · 1
NBT Bank has 1 branch in Utica, 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 Utica Financial Center Branch at 270 Genesee St dates to 2011 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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Utica Financial Center Branch270 Genesee St, 13502
Oneida County Credit Union Credit union · 1
Oneida County Credit Union has 1 office in Utica, 1 across New York. It is based in Utica, NY and $13.8 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.
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Main Office main office800 Park Ave, 13501
All hours
Mon to Fri 9 am to 4 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Pathfinder Bank Bank · 1
Pathfinder Bank has 1 branch in Utica, 13 across New York and 13 nationwide. FDIC records list its main office in Oswego, NY and show it operating since 2002. With $1.49 billion in total assets on June 30, 2026, it ranks No. 746 of 4,232 U.S. banks by total assets. The Utica Branch Office at 258 Genesee St 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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Utica Branch Office258 Genesee St, 13502
Utica District Telephone Employees Credit Union Credit union · 1
Utica District Telephone Employees Credit Union has 1 office in Utica, 1 across New York. It is based in Utica, NY and $40.0 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.
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Main Office main office2812 Genesee St, 13502
All hours
Mon to Fri 8 am to 4 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Utica Police Department Credit Union Credit union · 1
Utica Police Department Credit Union has 1 office in Utica, 1 across New York. It is based in Utica, NY and $6.3 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.
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Main Office main officeUtica Police Dept.Fcu 413 Oriskany St W, 13502
All hours
Mon to Fri 10 am to 12 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Utica
8 credit unions have 10 offices here: First Source Credit Union, G.p.o. Credit Union, Empower Credit Union, Americu Credit Union, Mohawk Valley Credit Union and Utica District Telephone Employees Credit Union and 2 more. 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 Utica page has every office in the state's directory.
Banking in Utica: the local picture
Short answer: 8 banks run 11 branches in Utica 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 8 banks, 1 has its main office in Utica, 4 elsewhere in New York and 3 out of state, according to the FDIC.
The bank with the longest record here is KeyBank, operating since 1849 according to the FDIC. In FDIC branch records, the longest-running branch is M&T Bank's office at 233 Genesee St, dating to 1839; the newest is Arrow Bank's at 185 Genesee St, from 2026.
8 credit unions have 10 offices in Utica, according to the NCUA. Who can join each one is on the credit unions page.
Of the 14 locations with published hours. 5 open on Saturday. 7 locations have no published hours in these sources.
Banks by ZIP code in Utica
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 13502 has the most bank and credit union offices in Utica (12), followed by 13501 (9). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 13502 | 12 | 11 | First Source Credit Union, Americu Credit Union, Bank of Utica |
| 13501 | 9 | 6 | Arrow Bank, G.p.o. Credit Union, KeyBank |
Banks and credit unions open on Saturday in Utica
Short answer: 5 of the 14 Utica locations with published hours open on Saturday, run by 4 institutions.
- M&T Bank: 1 of 2 branches (1 Herkimer Rd: Saturday 9 am to 12 pm)
- KeyBank: 1 of 1 branch (1125 Mohawk St: Saturday 9 am to 12 pm)
- First Source Credit Union: 2 of 2 offices (1634 Genesee St: Saturday 9 am to 12 pm, and 1 more)
- G.p.o. Credit Union: 1 of 2 offices (301 Bleecker St: 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; 7 of the 21 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 Utica, and where the nearest one is if they do not.
Short answer: No branches in Utica: Chase (nearest in Oneida, 21 mi), Wells Fargo (nearest in Kingston, 102 mi), Bank of America (nearest in Fayetteville, 42 mi), PNC Bank (nearest in New York, 169 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 174 mi), Huntington, Regions Bank, TD Bank (nearest in Niskayuna, 71 mi), BMO.
| Bank | In Utica | Nearest branch if none here |
|---|---|---|
| Chase | None | Oneida, 21 miles away |
| Wells Fargo | None | Kingston, 102 miles away |
| Bank of America | None | Fayetteville, 42 miles away |
| PNC Bank | None | New York, 169 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 174 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| TD Bank | None | Niskayuna, 71 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 Utica 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 Utica residents like anyone else.
Banks near Utica
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Whitesboro (3 miles) and New Hartford (4 miles). Rome, 14 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Whitesboro, NY | 3 mi | 6 | 6 |
| Banks in New Hartford, NY | 4 mi | 5 | 8 |
| Banks in Clinton, NY | 8 mi | 2 | 2 |
| Banks in Ilion, NY | 11 mi | 2 | 2 |
| Banks in Herkimer, NY | 13 mi | 4 | 4 |
| Banks in Rome, NY | 14 mi | 7 | 9 |
| Banks in Little Falls, NY | 19 mi | 2 | 2 |
| Banks in Oneida, NY | 21 mi | 3 | 5 |
Bank branch openings and closings in Utica
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 1 branch opening in Utica between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Jul 1, 2026 | Opened | Arrow Bank | 185 Genesee St, 13501 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Banks and credit unions based in Utica
Short answer: 4 institutions have their main office in Utica: Bank of Utica, Utica District Telephone Employees Credit Union, Oneida County Credit Union and Utica Police Department Credit Union.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Bank of Utica | Bank | $1.51 billion | 1 |
| Utica District Telephone Employees Credit Union | Credit union | $40.0 million | 1 |
| Oneida County Credit Union | Credit union | $13.8 million | 1 |
| Utica Police Department Credit Union | Credit union | $6.3 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Utica by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Utica offices.
Short answer: Citizens is the largest bank with offices in Utica, with $232.52 billion in total assets on June 30, 2026, No. 20 among U.S. banks by total assets. M&T Bank is second with $218.79 billion. 1 of the 8 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 |
|---|---|---|---|---|
| Citizens | $232.52 billion | No. 20 | 1 | Providence, RI |
| M&T Bank | $218.79 billion | No. 21 | 2 | Buffalo, NY |
| KeyBank | $188.56 billion | No. 23 | 1 | Cleveland, OH |
| Beacon Bank and Trust | $22.20 billion | No. 98 | 1 | Boston, MA |
| NBT Bank | $16.09 billion | No. 122 | 1 | Norwich, NY |
| Arrow Bank | $4.46 billion | No. 311 | 3 | Glens Falls, NY |
| Bank of Utica | $1.51 billion | No. 739 | 1 | Utica, NY |
| Pathfinder Bank | $1.49 billion | No. 746 | 1 | Oswego, 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 Utica: FAQ
How many banks are in Utica, NY?
Utica has 8 banks with 11 branches and 8 credit unions with 10 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 Utica?
Arrow Bank, with 3. M&T Bank has 2 and Citizens has 1.
Is there a Arrow Bank in Utica, NY?
Yes. FDIC data lists 3 Arrow Bank branches in Utica as of September 5, 2026. Its branches are listed under Arrow Bank above, with the address and directions for each.
Is there a M&T Bank in Utica, NY?
Yes. FDIC data lists 2 M&T Bank branches in Utica as of September 5, 2026. Its branches are listed under M&T Bank above, with the address and directions for each.
Is there a Citizens in Utica, NY?
Yes. FDIC data lists 1 Citizens branch in Utica as of September 5, 2026. The address and directions are under Citizens above.
Is there a Chase in Utica, NY?
No. FDIC data lists no Chase branch in Utica as of September 5, 2026. The nearest is in Oneida, about 21 miles away in a straight line.
Which banks in Utica are open on Saturday?
M&T Bank, KeyBank, First Source Credit Union and G.p.o. Credit Union publish Saturday hours for one or more Utica locations. The Saturday section above lists each one with its hours. 7 of the 21 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Utica?
Bank of Utica, Utica District Telephone Employees Credit Union, Oneida County Credit Union and Utica Police Department Credit Union have their main office in Utica, according to the FDIC and the NCUA.
What is the oldest bank in Utica?
KeyBank has the longest record among banks with a branch here: the FDIC shows it operating since 1849.
Which credit unions can I join in Utica?
First Source Credit Union, G.p.o. Credit Union, Empower Credit Union and Americu Credit Union and 4 more have offices in Utica. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Utica in the past year?
FDIC branch records show 1 branch opening 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 Utica?
Nearby cities with more banks include Whitesboro, New Hartford, Clinton. Whitesboro is 3 miles away with 6 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 10 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 (4 of 11 branches: Citizens, KeyBank, 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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