Banks in Waterloo, NY

Bank branch map: Waterloo

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 6 locations in Waterloo, according to the FDIC and the NCUA. 6 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 Waterloo

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

Short answer: 4 banks share the most locations in Waterloo, with 1 each. 4 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.

Beginnings Credit Union 1 office · main office Ithaca, NY Credit union · 1

Beginnings Credit Union has 1 office in Waterloo, 16 across New York. It is based in Ithaca, NY and $1.51 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.

• Kingdom Plaza

  1959 Route 5 And 20, 13165

  (315) 856-8510Today 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

Beginnings Credit Union: profile, branches and contacts

Community Bank Community Bank, National Association · 1 branch · main office Canton, NY Bank · 1

Community Bank has 1 branch in Waterloo, 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. The Waterloo Branch at 2 W Main St dates to 1905 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Waterloo Branch

  2 W Main St, 13165

  Hours: see the bank's site
  DirectionsWebsite

Community Bank: profile, branches and contacts

Esl Credit Union 1 office · main office Rochester, NY Credit union · 1

Esl Credit Union has 1 office in Waterloo, 34 across New York. It is based in Rochester, NY and $10.64 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.

• Waterloo

  1865 North Rd, 13165

  (585) 336-1000Today 9 am to 4 pm

  All hours

  Mon 9 am to 5 pm; Tue to Wed 9 am to 4 pm; Thu not published; Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Esl Credit Union: profile, branches and contacts

Five Star Bank 1 branch · main office Rochester, NY Bank · 1

Five Star Bank has 1 branch in Waterloo, 48 across New York and 48 nationwide. FDIC records list its main office in Rochester, NY and show it operating since 1881. With $6.29 billion in total assets on June 30, 2026, it ranks No. 242 of 4,232 U.S. banks by total assets. The Seneca Falls Branch at 1940 Routes 5 & 20 dates to 1998 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Seneca Falls Branch

  1940 Routes 5 & 20, 13165

  Hours: see the bank's site
  DirectionsWebsite

Five Star Bank: profile, branches and contacts

Savannah Bank 1 branch · main office Savannah, NY Bank · 1

Savannah Bank has 1 branch in Waterloo, 5 across New York and 5 nationwide. FDIC records list its main office in Savannah, NY and show it operating since 1925. With $187.2 million in total assets on June 30, 2026, it ranks No. 3,083 of 4,232 U.S. banks by total assets. The Waterloo Branch at 35 W Main St dates to 1986 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Waterloo Branch

  35 W Main St, 13165

  Hours: see the bank's site
  DirectionsWebsite

Savannah Bank: profile, branches and contacts

The Lyons National Bank 1 branch · main office Lyons, NY Bank · 1

The Lyons National Bank has 1 branch in Waterloo, 17 across New York and 16 nationwide. FDIC records list its main office in Lyons, NY and show it operating since 1865. With $2.13 billion in total assets on June 30, 2026, it ranks No. 578 of 4,232 U.S. banks by total assets. The Seneca County Branch at 2433 State Route 414 dates to 2010 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Seneca County Branch

  2433 State Route 414, 13165

  Hours: see the bank's site
  DirectionsWebsite

The Lyons National Bank: profile, branches and contacts

Join a credit union in Waterloo

2 credit unions have 2 offices here: Esl Credit Union and Beginnings 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 Waterloo page has every office in the state's directory.

Banking in Waterloo: the local picture

Short answer: 4 banks run 4 branches in Waterloo 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 4 banks, 0 have their main office in Waterloo, 4 elsewhere in New York, according to the FDIC.

The bank with the longest record here is The Lyons National Bank, operating since 1865 according to the FDIC. In FDIC branch records, the longest-running branch is Community Bank's office at 2 W Main St, dating to 1905; the newest is The Lyons National Bank's at 2433 State Route 414, from 2010.

2 credit unions have 2 offices in Waterloo, according to the NCUA. Who can join each one is on the credit unions page.

Of the 2 locations with published hours. 1 opens on Saturday. 4 locations have no published hours in these sources.

Credit unions open on Saturday in Waterloo

Short answer: 1 of the 2 Waterloo locations with published hours opens on Saturday, run by 1 institution.

• Esl Credit Union: 1 of 1 office (1865 North Rd: 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; 4 of the 6 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 Waterloo, and where the nearest one is if they do not.

Short answer: No branches in Waterloo: Chase (nearest in Canandaigua, 21 mi), Wells Fargo (nearest in Kingston, 160 mi), Bank of America (nearest in Camillus, 31 mi), PNC Bank (nearest in New York, 207 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 210 mi), Huntington, Regions Bank, TD Bank (nearest in Monticello, 141 mi), BMO.

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

Banks near Waterloo

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

Short answer: The closest towns with more choice are Seneca Falls (4 miles) and Geneva (7 miles). Auburn, 15 miles away, has the most banks nearby: 7.

Bank branch openings and closings in Waterloo

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

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

Largest banks in Waterloo by total assets

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

Short answer: Community Bank is the largest bank with offices in Waterloo, with $17.45 billion in total assets on June 30, 2026, No. 114 among U.S. banks by total assets. Five Star Bank is second with $6.29 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 Waterloo: FAQ

How we build this page

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