US Bank Directory
Banks in Oil City, PA
3 FDIC-insured banks operate 3 offices in Oil City, Pennsylvania, and 1 credit union has 1 office.
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: Oil City
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: 4 banks and credit unions operate 4 locations in Oil City, according to the FDIC and the NCUA. 4 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
4 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 Oil City
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Citizens, Northwest Bank and First United National Bank have the most locations in Oil City, with 1 each. 3 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.
Citizens Bank · 1
Citizens has 1 branch in Oil City, 213 across Pennsylvania 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 Oil City South Branch at 24 State St dates to 1956 in FDIC branch records. It opens on Saturday.
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Oil City South Branch24 State St, 16301
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: Citizens branch locator (All The Places), checked Oct 10, 2026
First United National Bank Bank · 1
First United National Bank has 1 branch in Oil City, 7 across Pennsylvania and 7 nationwide. FDIC records list its main office in Fryburg, PA and show it operating since 1909. With $385.8 million in total assets on June 30, 2026, it ranks No. 2,126 of 4,232 U.S. banks by total assets. The Oil City Branch at 1 Central Ave dates to 1980 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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Oil City Branch1 Central Ave, 16301
New Directions Community Credit Union Credit union · 1
New Directions Community Credit Union has 1 office in Oil City, 3 across Pennsylvania. It is based in Franklin, PA and $40.8 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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New Directions Community Credit Union25 E 1St St, 16301
All hours
Mon to Thu 9 am to 4:30 pm; Fri 9 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Northwest Bank Bank · 1
Northwest Bank has 1 branch in Oil City, 103 across Pennsylvania and 163 nationwide. FDIC records list its main office in Warren, PA and show it operating since 1896. With $17.21 billion in total assets on June 30, 2026, it ranks No. 116 of 4,232 U.S. banks by total assets. The Oil City Branch at 105 Petroleum St dates to 1977 in FDIC branch records. It opens on Saturday.
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Oil City Branch105 Petroleum St, 16301
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun closed
Hours: Northwest Bank branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Oil City
1 credit union has 1 office here: New Directions Community 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 Oil City page has every office in the state's directory.
Banking in Oil City: the local picture
Short answer: 3 banks run 3 branches in Oil City 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 3 banks, 0 have their main office in Oil City, 2 elsewhere in Pennsylvania and 1 out of state, according to the FDIC.
The bank with the longest record here is Northwest Bank, operating since 1896 according to the FDIC. In FDIC branch records, the longest-running branch is Citizens's office at 24 State St, dating to 1956; the newest is First United National Bank's at 1 Central Ave, from 1980.
The only credit union with an office here is New Directions Community Credit Union.
Of the 3 locations with published hours. 2 open on Saturday. 1 location has no published hours in these sources.
Banks open on Saturday in Oil City
Short answer: 2 of the 3 Oil City locations with published hours open on Saturday, run by 2 institutions.
- Citizens: 1 of 1 branch (24 State St: Saturday 9 am to 12 pm)
- Northwest Bank: 1 of 1 branch (105 Petroleum 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; 1 of the 4 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 Oil City, and where the nearest one is if they do not.
Short answer: No branches in Oil City: Chase (nearest in Cranberry Township, 55 mi), Wells Fargo (nearest in Carlisle, 157 mi), Bank of America (nearest in Cranberry Township, 55 mi), PNC Bank (nearest in Franklin, 7 mi), U.S. Bank, Truist (nearest in State College, 104 mi), Fifth Third Bank, Huntington (nearest in Grove City, 27 mi), Regions Bank, TD Bank (nearest in Allentown, 224 mi), BMO.
| Bank | In Oil City | Nearest branch if none here |
|---|---|---|
| Chase | None | Cranberry Township, 55 miles away |
| Wells Fargo | None | Carlisle, 157 miles away |
| Bank of America | None | Cranberry Township, 55 miles away |
| PNC Bank | None | Franklin, 7 miles away |
| U.S. Bank | None | none in Pennsylvania |
| Truist | None | State College, 104 miles away |
| Fifth Third Bank | None | none in Pennsylvania |
| Huntington | None | Grove City, 27 miles away |
| Regions Bank | None | none in Pennsylvania |
| TD Bank | None | Allentown, 224 miles away |
| BMO | None | none in Pennsylvania |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Oil City to the nearest branch in Pennsylvania.
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 Oil City residents like anyone else.
Banks near Oil City
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Franklin (7 miles) and Titusville (14 miles). Grove City, 27 miles away, has the most banks nearby: 8.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Franklin, PA | 7 mi | 5 | 5 |
| Banks in Titusville, PA | 14 mi | 3 | 4 |
| Banks in Cranberry, PA | 22 mi | 6 | 6 |
| Banks in Clarion, PA | 22 mi | 6 | 7 |
| Banks in Grove City, PA | 27 mi | 8 | 9 |
| Banks in Meadville, PA | 28 mi | 7 | 11 |
| Banks in Rimersburg, PA | 29 mi | 2 | 2 |
| Banks in Slippery Rock, PA | 31 mi | 2 | 3 |
Bank branch openings and closings in Oil City
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Oil City between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Oil City by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Oil City offices.
Short answer: Citizens is the largest bank with offices in Oil City, with $232.52 billion in total assets on June 30, 2026, No. 20 among U.S. banks by total assets. Northwest Bank is second with $17.21 billion. 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 |
| Northwest Bank | $17.21 billion | No. 116 | 1 | Warren, PA |
| First United National Bank | $385.8 million | No. 2,126 | 1 | Fryburg, PA |
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 Oil City: FAQ
How many banks are in Oil City, PA?
Oil City has 3 banks with 3 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Oil City?
Citizens, with 1. Northwest Bank has 1 and First United National Bank has 1.
Is there a Citizens in Oil City, PA?
Yes. FDIC data lists 1 Citizens branch in Oil City as of September 5, 2026. The address and directions are under Citizens above.
Is there a Northwest Bank in Oil City, PA?
Yes. FDIC data lists 1 Northwest Bank branch in Oil City as of September 5, 2026. The address and directions are under Northwest Bank above.
Is there a First United National Bank in Oil City, PA?
Yes. FDIC data lists 1 First United National Bank branch in Oil City as of September 5, 2026. The address and directions are under First United National Bank above.
Is there a Chase in Oil City, PA?
No. FDIC data lists no Chase branch in Oil City as of September 5, 2026. The nearest is in Cranberry Township, about 55 miles away in a straight line.
Which banks in Oil City are open on Saturday?
Citizens and Northwest Bank publish Saturday hours for one or more Oil City locations. The Saturday section above lists each one with its hours. 1 of the 4 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Oil City?
Northwest Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1896.
Which credit unions can I join in Oil City?
New Directions Community Credit Union has an office in Oil City. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Oil City 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 Oil City?
Nearby cities with more banks include Franklin, Titusville, Cranberry. Franklin is 7 miles away with 5 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 1 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 3 branches: Citizens, Northwest 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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