US Bank Directory
Banks in Ludlow, VT
2 FDIC-insured banks operate 2 offices in Ludlow, Vermont, 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: Ludlow
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 Ludlow, according to the FDIC and the NCUA. 3 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
3 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 Ludlow
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: M&T Bank and Beacon Bank and Trust have the most locations in Ludlow, 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.
Beacon Bank and Trust Bank · 1
Beacon Bank and Trust has 1 branch in Ludlow, 5 across Vermont 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 Ludlow Branch at 152 Main St dates to 1967 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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Ludlow Branch152 Main St, 05149
Heritage Family Credit Union Credit union · 1
Heritage Family Credit Union has 1 office in Ludlow, 11 across Vermont. It is based in Rutland, VT and $852.9 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 Office198 Main St, 05149
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
M&T Bank Bank · 1
M&T Bank has 1 branch in Ludlow, 33 across Vermont 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 Ludlow Branch at 213 Main St dates to 1977 in FDIC branch records. It opens on Saturday.
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Ludlow Branch213 Main St, 05149
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
Join a credit union in Ludlow
1 credit union has 1 office here: Heritage Family 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 Ludlow page has every office in the state's directory.
Banking in Ludlow: the local picture
Short answer: 2 banks run 2 branches in Ludlow 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 Ludlow and 2 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 Beacon Bank and Trust's office at 152 Main St, dating to 1967; the newest is M&T Bank's at 213 Main St, from 1977.
The only credit union with an office here is Heritage Family Credit Union.
Of the 2 locations with published hours. 1 opens on Saturday. 1 location has no published hours in these sources.
Banks open on Saturday in Ludlow
Short answer: 1 of the 2 Ludlow locations with published hours opens on Saturday, run by 1 institution.
- M&T Bank: 1 of 1 branch (213 Main 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 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 Ludlow, and where the nearest one is if they do not.
Short answer: No branches in Ludlow: Chase (nearest in Williston, 75 mi), Wells Fargo, Bank of America, PNC Bank, U.S. Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank (nearest in Rutland, 20 mi), BMO.
| Bank | In Ludlow | Nearest branch if none here |
|---|---|---|
| Chase | None | Williston, 75 miles away |
| Wells Fargo | None | none in Vermont |
| Bank of America | None | none in Vermont |
| PNC Bank | None | none in Vermont |
| U.S. Bank | None | none in Vermont |
| Truist | None | none in Vermont |
| Fifth Third Bank | None | none in Vermont |
| Huntington | None | none in Vermont |
| Regions Bank | None | none in Vermont |
| TD Bank | None | Rutland, 20 miles away |
| BMO | None | none in Vermont |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Ludlow to the nearest branch in Vermont.
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 Ludlow residents like anyone else.
Banks near Ludlow
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Springfield (13 miles) and Woodstock (18 miles). Rutland, 20 miles away, has the most banks nearby: 8.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Springfield, VT | 13 mi | 4 | 4 |
| Banks in Woodstock, VT | 18 mi | 3 | 4 |
| Banks in Rutland, VT | 20 mi | 8 | 10 |
| Banks in Bellows Falls, VT | 22 mi | 2 | 2 |
| Banks in Manchester Center, VT | 23 mi | 5 | 6 |
| Banks in White River Junction, VT | 26 mi | 3 | 4 |
| Banks in Norwich, VT | 30 mi | 2 | 2 |
| Banks in Bethel, VT | 30 mi | 3 | 3 |
Bank branch openings and closings in Ludlow
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Ludlow between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Ludlow by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ludlow offices.
Short answer: M&T Bank is the largest bank with offices in Ludlow, with $218.79 billion in total assets on June 30, 2026, No. 21 among U.S. banks by total assets. Beacon Bank and Trust is second with $22.20 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| M&T Bank | $218.79 billion | No. 21 | 1 | Buffalo, NY |
| Beacon Bank and Trust | $22.20 billion | No. 98 | 1 | Boston, MA |
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 Ludlow: FAQ
How many banks are in Ludlow, VT?
Ludlow has 2 banks with 2 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 Ludlow?
M&T Bank, with 1. Beacon Bank and Trust has 1.
Is there a M&T Bank in Ludlow, VT?
Yes. FDIC data lists 1 M&T Bank branch in Ludlow as of September 5, 2026. The address and directions are under M&T Bank above.
Is there a Beacon Bank and Trust in Ludlow, VT?
Yes. FDIC data lists 1 Beacon Bank and Trust branch in Ludlow as of September 5, 2026. The address and directions are under Beacon Bank and Trust above.
Is there a Chase in Ludlow, VT?
No. FDIC data lists no Chase branch in Ludlow as of September 5, 2026. The nearest is in Williston, about 75 miles away in a straight line.
Which banks in Ludlow are open on Saturday?
M&T Bank publishes Saturday hours for one or more Ludlow locations. The Saturday section above lists each one with its hours. 1 of the 3 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Ludlow?
M&T Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1856.
Which credit unions can I join in Ludlow?
Heritage Family Credit Union has an office in Ludlow. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Ludlow 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 Ludlow?
Nearby cities with more banks include Springfield, Woodstock, Rutland. Springfield is 13 miles away with 4 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 (1 of 2 branches: 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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