Locations & Hours

• Main Office

  Address	Lobby Hours	Drive Thru Hours
  313 State Street Carthage, NY 13619 Phone: 315.493.3480 Toll-Free: 800.232.0450	Mon - Wed 9:00am - 4:00pm Thu - Fri 9:00am - 5:00pm	Mon - Wed 8:30am - 5:00pm Thu - Fri 6:30am - 5:00pm

• Watertown Branch

  Address	Lobby Hours	Drive Thru Hours
  146 Arsenal Street, Suite 11 Watertown, NY 13601 Phone: 315.779.9775	Mon - Wed 9:00am - 4:00pm Thu - Fri 9:00am - 5:00pm Sat 9:00am - 12:00pm	Mon - Thur 8:30am - 5:00pm Fri 8:30am - 6:00pm Sat 9:00am - 12:00pm

• Clayton Loan Production Office

  Address	Lobby Hours	Drive Thru Hours
  325 State Street Clayton, NY 13624 Phone: 315.686.4850	Mon - Fri 9:00am - 4:00pm	Not Available