Banks in Wading River, NY

Bank branch map: Wading River

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: 3 banks and credit unions operate 3 locations in Wading River, according to the FDIC and the NCUA. 3 of them have coordinates on record and are on the map. 2 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 Wading River

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

Short answer: M&T Bank and Santander have the most locations in Wading River, with 1 each. 2 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.

M&T Bank Manufacturers and Traders Trust Company · 1 branch · main office Buffalo, NY Bank · 1

M&T Bank has 1 branch in Wading River, 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. The Wading River Branch at 2065 Wading River Manor Rd dates to 1967 in FDIC branch records. It opens on Saturday.

• Wading River Branch

  2065 Wading River Manor Rd, 11792

  (631) 929-6300Today 9 am to 4 pm

  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

  DirectionsBranch page

M&T Bank: profile, branches and contacts

Santander Santander Bank, N.A. · 1 branch · main office Wilmington, DE Bank · 1

Santander has 1 branch in Wading River, 134 across New York and 368 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1907. With $103.96 billion in total assets on June 30, 2026, it ranks No. 32 of 4,232 U.S. banks by total assets. The Wading River Branch at 6348 Route 25a dates to 1923 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Wading River Branch

  6348 Route 25a, 11792

  Hours: see the bank's site
  DirectionsWebsite

Santander: profile, branches and contacts

Teachers Credit Union 1 office · main office Smithtown, NY Credit union · 1

Teachers Credit Union has 1 office in Wading River, 31 across New York. It is based in Smithtown, NY and $9.94 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.

• Wading River

  6257 Route 25A, 11792

  (631) 698-7000Today 9 am to 5 pm

  All hours

  Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 2 pm; Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Teachers Credit Union: profile, branches and contacts

Join a credit union in Wading River

1 credit union has 1 office here: Teachers 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 Wading River page has every office in the state's directory.

Banking in Wading River: the local picture

Short answer: 2 banks run 2 branches in Wading River 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 2 banks, 0 have their main office in Wading River, 1 elsewhere in New York and 1 out of state, according to the FDIC.

The bank with the longest record here is M&T Bank, operating since 1856 according to the FDIC. In FDIC branch records, the longest-running branch is Santander's office at 6348 Route 25a, dating to 1923; the newest is M&T Bank's at 2065 Wading River Manor Rd, from 1967.

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

Of the 2 locations with published hours. 2 open on Saturday. 1 location has no published hours in these sources.

Banks and credit unions open on Saturday in Wading River

Short answer: 2 of the 2 Wading River locations with published hours open on Saturday, run by 2 institutions.

• M&T Bank: 1 of 1 branch (2065 Wading River Manor Rd: Saturday 9 am to 12 pm)
• Teachers Credit Union: 1 of 1 office (6257 Route 25A: Saturday 9 am to 2 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 3 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 Wading River, and where the nearest one is if they do not.

Short answer: No branches in Wading River: Chase (nearest in Rocky Point, 5 mi), Wells Fargo (nearest in Lake Ronkonkoma, 15 mi), Bank of America (nearest in Rocky Point, 5 mi), PNC Bank (nearest in New York, 57 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 61 mi), Huntington, Regions Bank, TD Bank (nearest in Rocky Point, 5 mi), BMO.

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

Banks near Wading River

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

Short answer: The closest towns with more choice are Rocky Point (5 miles) and Miller Place (7 miles). Shirley, 10 miles away, has the most banks nearby: 7.

Bank branch openings and closings in Wading River

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

Short answer: FDIC branch records show no bank branch openings in Wading River between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Wading River by total assets

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

Short answer: M&T Bank is the largest bank with offices in Wading River, with $218.79 billion in total assets on June 30, 2026, No. 21 among U.S. banks by total assets. Santander is second with $103.96 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 Wading River: FAQ

How we build this page

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