US Bank Directory
Banks in Watertown, NY
5 FDIC-insured banks operate 11 offices in Watertown, New York, and 5 credit unions have 8 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: Watertown
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: 10 banks and credit unions operate 19 locations in Watertown, according to the FDIC and the NCUA. 19 of them have coordinates on record and are on the map. 10 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
19 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 Watertown
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Watertown Savings Bank has the most locations in Watertown, with 5. It is followed by KeyBank (2), Community Bank (2). 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.
Watertown Savings Bank Bank · 5
Watertown Savings Bank has 5 branches in Watertown, 10 across New York and 10 nationwide. FDIC records list its main office in Watertown, NY and show it operating since 1894. With $971.0 million in total assets on June 30, 2026, it ranks No. 1,077 of 4,232 U.S. banks by total assets. Its main office at 111 Clinton St dates to 1894 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 office111 Clinton St, 13601
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Watertown Branch101 Commerce Park Dr, 13601
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Wsb Municipal Bank Branch111 Clinton St, 13601
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Clinton Street Branch140 Clinton St, 13601
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State Street Branch1816 State Street, 13601
Northern Credit Union Credit union · 3
Northern Credit Union has 3 officees in Watertown, 11 across New York. It is based in Watertown, NY and $682.1 million in assets on March 31, 2026, according to its NCUA call report. None of its 3 Watertown locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office138 Factory St, 13601
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Commerce Park Branch1180 Commerce Park Dr E, 13601
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Factory Branch120 Factory St, 13601
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat not published; Sun closed
Hours: NCUA, March 31, 2026
Community Bank Bank · 2
Community Bank has 2 branches in Watertown, 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. In FDIC branch records, its longest-running Watertown location is the Watertown 216 Washington St Branch at 216 Washington St, dating to 1859; the newest, at 1125 Arsenal St, to 1964. It does not publish hours in the sources this page uses; check its site before you go.
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Watertown 1125 Arsenal St Branch1125 Arsenal St, 13601
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Watertown 216 Washington St Branch216 Washington St, 13601
KeyBank Bank · 2
KeyBank has 2 branches in Watertown, 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. In FDIC branch records, its longest-running Watertown location is the Arsenal Street Branch at 20974 State Route 3, dating to 1986; the newest, at 200 Washington St, to 2001. 1 of its 2 Watertown locations with published hours open on Saturday.
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Watertown Main Branch200 Washington St, 13601
All hours
Mon to Wed 9 am to 4 pm; Thu to Fri 9 am to 5 pm; Sat to Sun not published
Hours: KeyBank branch locator (All The Places), checked Oct 10, 2026
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Arsenal Street Branch20974 State Route 3, 13601
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
State Cs Employees Credit Union Credit union · 2
State Cs Employees Credit Union has 2 officees in Watertown, 2 across New York. It is based in Watertown, NY and $48.7 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Watertown locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main officeDulles State Office Building 317 Washington Street, 13601
All hours
Mon to Fri 8 am to 3 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Branch Office144 Eastern Boulevard, 13601
All hours
Mon to Fri 8 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Americu Credit Union Credit union · 1
Americu Credit Union has 1 office in Watertown, 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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Watertown871 Arsenal St, 13601
All hours
Mon to Thu 9 am to 5 pm; Fri to Sun not published
Hours: NCUA, March 31, 2026
Carthage Savings and Loan Bank · 1
Carthage Savings and Loan has 1 branch in Watertown, 4 across New York and 4 nationwide. FDIC records list its main office in Carthage, NY and show it operating since 1888. With $312.1 million in total assets on June 30, 2026, it ranks No. 2,420 of 4,232 U.S. banks by total assets. The Watertown Branch at 146 Arsenal St dates to 2003 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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Watertown Branch146 Arsenal St, 13601
Sea Comm Credit Union Credit union · 1
Sea Comm Credit Union has 1 office in Watertown, 7 across New York. It is based in Massena, NY and $771.8 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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Branch - Watertown20565 State Route 3, 13601
All hours
Mon to Thu 8 am to 5 pm; Fri 8 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Watertown Postal Credit Union Credit union · 1
Watertown Postal Credit Union has 1 office in Watertown, 1 across New York. It is based in Watertown, NY and $5.6 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 office232 Commerce Park Dr, 13601
All hours
Mon to Fri 8 am to 12 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
WSB Municipal Bank Bank · 1
WSB Municipal Bank has 1 branch in Watertown, 1 across New York and 1 nationwide. FDIC records list its main office in Watertown, NY and show it operating since 1913. With $152.3 million in total assets on June 30, 2026, it ranks No. 3,309 of 4,232 U.S. banks by total assets. Its main office at 111 Clinton St dates to 1913 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 office111 Clinton St, 13601
Join a credit union in Watertown
5 credit unions have 8 offices here: Northern Credit Union, State Cs Employees Credit Union, Americu Credit Union, Sea Comm Credit Union and Watertown Postal 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 Watertown page has every office in the state's directory.
Banking in Watertown: the local picture
Short answer: 5 banks run 11 branches in Watertown 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 5 banks, 2 have their main office in Watertown, 2 elsewhere in New York and 1 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 Community Bank's office at 216 Washington St, dating to 1859; the newest is Watertown Savings Bank's at 111 Clinton St, from 2008.
5 credit unions have 8 offices in Watertown, according to the NCUA. Who can join each one is on the credit unions page.
Of the 10 locations with published hours. 1 opens on Saturday. 9 locations have no published hours in these sources.
Banks open on Saturday in Watertown
Short answer: 1 of the 10 Watertown locations with published hours opens on Saturday, run by 1 institution.
- KeyBank: 1 of 2 branches (20974 State Route 3: 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; 9 of the 19 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 Watertown, and where the nearest one is if they do not.
Short answer: No branches in Watertown: Chase (nearest in Oswego, 46 mi), Wells Fargo (nearest in Kingston, 171 mi), Bank of America (nearest in Cicero, 58 mi), PNC Bank (nearest in New York, 238 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 243 mi), Huntington, Regions Bank, TD Bank (nearest in Warrensburg, 112 mi), BMO.
| Bank | In Watertown | Nearest branch if none here |
|---|---|---|
| Chase | None | Oswego, 46 miles away |
| Wells Fargo | None | Kingston, 171 miles away |
| Bank of America | None | Cicero, 58 miles away |
| PNC Bank | None | New York, 238 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 243 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| TD Bank | None | Warrensburg, 112 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 Watertown 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 Watertown residents like anyone else.
Banks near Watertown
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Adams (12 miles) and Chaumont (12 miles). Alexandria Bay, 24 miles away, has the most banks nearby: 4.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Adams, NY | 12 mi | 2 | 2 |
| Banks in Chaumont, NY | 12 mi | 3 | 3 |
| Banks in Carthage, NY | 15 mi | 2 | 2 |
| Banks in Clayton, NY | 20 mi | 3 | 3 |
| Banks in Cape Vincent, NY | 23 mi | 2 | 2 |
| Banks in Alexandria Bay, NY | 24 mi | 4 | 4 |
| Banks in Lowville, NY | 25 mi | 2 | 4 |
| Banks in Pulaski, NY | 30 mi | 3 | 3 |
Bank branch openings and closings in Watertown
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Watertown 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 Watertown
Short answer: 5 institutions have their main office in Watertown: Watertown Savings Bank, Northern Credit Union, State Cs Employees Credit Union and WSB Municipal Bank and 1 more.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Watertown Savings Bank | Bank | $971.0 million | 5 |
| Northern Credit Union | Credit union | $682.1 million | 3 |
| State Cs Employees Credit Union | Credit union | $48.7 million | 2 |
| WSB Municipal Bank | Bank | $152.3 million | 1 |
| Watertown Postal Credit Union | Credit union | $5.6 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Watertown by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Watertown offices.
Short answer: KeyBank is the largest bank with offices in Watertown, with $188.56 billion in total assets on June 30, 2026, No. 23 among U.S. banks by total assets. Community Bank is second with $17.45 billion. 2 of the 5 banks are headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| KeyBank | $188.56 billion | No. 23 | 2 | Cleveland, OH |
| Community Bank | $17.45 billion | No. 114 | 2 | Canton, NY |
| Watertown Savings Bank | $971.0 million | No. 1,077 | 5 | Watertown, NY |
| Carthage Savings and Loan | $312.1 million | No. 2,420 | 1 | Carthage, NY |
| WSB Municipal Bank | $152.3 million | No. 3,309 | 1 | Watertown, 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 Watertown: FAQ
How many banks are in Watertown, NY?
Watertown has 5 banks with 11 branches and 5 credit unions with 8 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 Watertown?
Watertown Savings Bank, with 5. KeyBank has 2 and Community Bank has 2.
Is there a KeyBank in Watertown, NY?
Yes. FDIC data lists 2 KeyBank branches in Watertown as of September 5, 2026. Its branches are listed under KeyBank above, with the address and directions for each.
Is there a Community Bank in Watertown, NY?
Yes. FDIC data lists 2 Community Bank branches in Watertown as of September 5, 2026. Its branches are listed under Community Bank above, with the address and directions for each.
Is there a Chase in Watertown, NY?
No. FDIC data lists no Chase branch in Watertown as of September 5, 2026. The nearest is in Oswego, about 46 miles away in a straight line.
Which banks in Watertown are open on Saturday?
KeyBank publishes Saturday hours for one or more Watertown locations. The Saturday section above lists each one with its hours. 9 of the 19 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Watertown?
Watertown Savings Bank, Northern Credit Union, State Cs Employees Credit Union, WSB Municipal Bank and Watertown Postal Credit Union have their main office in Watertown, according to the FDIC and the NCUA.
What is the oldest bank in Watertown?
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 Watertown?
Northern Credit Union, State Cs Employees Credit Union, Americu Credit Union and Sea Comm Credit Union and 1 more have offices in Watertown. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Watertown 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 Watertown?
Nearby cities with more banks include Adams, Chaumont, Carthage. Adams is 12 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 8 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 (2 of 11 branches: 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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