US Bank Directory
Banks in Waterbury, VT
3 FDIC-insured banks operate 3 offices in Waterbury, 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: Waterbury
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 Waterbury, according to the FDIC and the NCUA. 4 of them have coordinates on record and are on the map. 2 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 Waterbury
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: M&T Bank, Community Bank and Northfield Savings Bank have the most locations in Waterbury, 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.
Community Bank Bank · 1
Community Bank has 1 branch in Waterbury, 29 across Vermont 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 Waterbury Branch at 994 Waterbury Stowe Rd dates to 2006 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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Waterbury Branch994 Waterbury Stowe Rd, 05676
Eastrise Credit Union Credit union · 1
Eastrise Credit Union has 1 office in Waterbury, 18 across Vermont. It is based in Williston, VT and $3.17 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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Waterbury27 S Main St, 05676
All hours
Mon to Fri 8 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 Waterbury, 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 Waterbury Vt Branch at 80 S Main St dates to 1980 in FDIC branch records. It opens on Saturday.
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Waterbury Vt Branch80 S Main St, 05676
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
Northfield Savings Bank Bank · 1
Northfield Savings Bank has 1 branch in Waterbury, 13 across Vermont and 13 nationwide. FDIC records list its main office in Northfield, VT and show it operating since 1867. With $1.58 billion in total assets on June 30, 2026, it ranks No. 715 of 4,232 U.S. banks by total assets. The Waterbury Branch at 29 S Main St dates to 1975 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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Waterbury Branch29 S Main St, 05676
Join a credit union in Waterbury
1 credit union has 1 office here: Eastrise 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 Waterbury page has every office in the state's directory.
Banking in Waterbury: the local picture
Short answer: 3 banks run 3 branches in Waterbury 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 Waterbury, 1 elsewhere in Vermont 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 Northfield Savings Bank's office at 29 S Main St, dating to 1975; the newest is Community Bank's at 994 Waterbury Stowe Rd, from 2006.
The only credit union with an office here is Eastrise Credit Union.
Of the 2 locations with published hours. 1 opens on Saturday. 2 locations have no published hours in these sources.
Banks open on Saturday in Waterbury
Short answer: 1 of the 2 Waterbury locations with published hours opens on Saturday, run by 1 institution.
- M&T Bank: 1 of 1 branch (80 S 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; 2 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 Waterbury, and where the nearest one is if they do not.
Short answer: No branches in Waterbury: Chase (nearest in Williston, 19 mi), Wells Fargo, Bank of America, PNC Bank, U.S. Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank (nearest in Stowe, 9 mi), BMO.
| Bank | In Waterbury | Nearest branch if none here |
|---|---|---|
| Chase | None | Williston, 19 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 | Stowe, 9 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 Waterbury 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 Waterbury residents like anyone else.
Banks near Waterbury
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Stowe (9 miles) and Montpelier (10 miles). Williston, 19 miles away, has the most banks nearby: 8.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Stowe, VT | 9 mi | 3 | 3 |
| Banks in Montpelier, VT | 10 mi | 5 | 5 |
| Banks in Berlin, VT | 13 mi | 2 | 2 |
| Banks in Barre, VT | 16 mi | 5 | 5 |
| Banks in Jericho, VT | 16 mi | 2 | 2 |
| Banks in Morrisville, VT | 18 mi | 4 | 5 |
| Banks in Hinesburg, VT | 18 mi | 2 | 2 |
| Banks in Williston, VT | 19 mi | 8 | 8 |
Bank branch openings and closings in Waterbury
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Waterbury between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Waterbury by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Waterbury offices.
Short answer: M&T Bank is the largest bank with offices in Waterbury, with $218.79 billion in total assets on June 30, 2026, No. 21 among U.S. banks by total assets. Community Bank is second with $17.45 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 |
| Community Bank | $17.45 billion | No. 114 | 1 | Canton, NY |
| Northfield Savings Bank | $1.58 billion | No. 715 | 1 | Northfield, VT |
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 Waterbury: FAQ
How many banks are in Waterbury, VT?
Waterbury 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 Waterbury?
M&T Bank, with 1. Community Bank has 1 and Northfield Savings Bank has 1.
Is there a M&T Bank in Waterbury, VT?
Yes. FDIC data lists 1 M&T Bank branch in Waterbury as of September 5, 2026. The address and directions are under M&T Bank above.
Is there a Community Bank in Waterbury, VT?
Yes. FDIC data lists 1 Community Bank branch in Waterbury as of September 5, 2026. The address and directions are under Community Bank above.
Is there a Northfield Savings Bank in Waterbury, VT?
Yes. FDIC data lists 1 Northfield Savings Bank branch in Waterbury as of September 5, 2026. The address and directions are under Northfield Savings Bank above.
Is there a Chase in Waterbury, VT?
No. FDIC data lists no Chase branch in Waterbury as of September 5, 2026. The nearest is in Williston, about 19 miles away in a straight line.
Which banks in Waterbury are open on Saturday?
M&T Bank publishes Saturday hours for one or more Waterbury locations. The Saturday section above lists each one with its hours. 2 of the 4 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Waterbury?
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 Waterbury?
Eastrise Credit Union has an office in Waterbury. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Waterbury 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 Waterbury?
Nearby cities with more banks include Stowe, Montpelier, Berlin. Stowe is 9 miles away with 3 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 3 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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