Carthage Federal Savings and Loan Association
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.50% | Checking | High Interest Checking |
| 1.25% | 5-year CD | 60 Month CD (One Time Rate Change Option) 2.35% - Synchrony Bank 60 Month CD |
| 0.50% | 1-year CD | 12 Month CD 1.40% - Synchrony Bank 12 Month CD |
Carthage Federal Savings and Loan Association is headquartered in Carthage and is the 114th largest bank in the state of New York. It is also the 2,916th largest bank in the nation. It was established in 1888 and as of March of 2017, it had grown to 32 employees at 4 locations. Carthage Federal Savings and Loan Association's money market rates are 14% higher than the national average, and it boasts an A+ health rating.
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Moved 40 Miles From The Closest Branch, I Kept All Of My Accounts With CFS&L.
Everyone at every branch always goes above and far beyond to make business with them pleasent. Great tellers, great loan department. Very competent people. They never make mistakes. Even after I moved 40 miles from the closest branch, I kept all of my accounts with CFS&L.
Data as of Q1 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 28942 |
| Year Established | 1888 |
| Employees | 32 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.79% |
| Return on Equity - YTD | 7.3% |
| Annual Interest Income | $1.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2017vs Q1 2016 | $208.5MM$192.8MM |
| Loans | Q1 2017vs Q1 2016 | $161.0MM$156.8MM |
| Deposits | Q1 2017vs Q1 2016 | $169.2MM$159.3MM |
| Equity Capital | Q1 2017vs Q1 2016 | $22.7MM$20.9MM |
| Loan Loss Allowance | Q1 2017vs Q1 2016 | $834.00K$816.00K |
| Unbacked Noncurrent Loans | Q1 2017vs Q1 2016 | $82.00K$78.00K |
| Real Estate Owned | Q1 2017vs Q1 2016 | $88.00K$39.00K |
Always verify rates and promotions with the bank or credit union. We are not Carthage Federal Savings and Loan Association; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Carthage Federal Savings and Loan Association Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.10% | - | - | Statement | |
| 0.10% | - | - | Passbook | |
| 0.10% | - | - | Christmas Club |
Carthage Federal Savings and Loan Association Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.50%* | $40k* | $10m | Money Market Account | ||
| OTHER TIERS: 0.10% → $2,500 - $5k | 0.25% → $5k - $40k | |||||
Carthage Federal Savings and Loan Association Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.50%* | $2,500* | $25k | High Interest Checking | ||
| OTHER TIERS: 0.10% → Any amount | |||||
| 0.10% | - | - | 50+ Free Interest Checking | ||
| 0.10% | - | - | VIP Free Interest Checking | ||
Carthage Federal Savings and Loan Association CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.50% | $500 | - | 72 Month CD | |
| 1.50% | $500 | - | 59 Month CD | |
| 1.25% | $500 | - | 60 Month CD (One Time Rate Change Option) | |
| 1.00% | $500 | - | 48 Month CD | |
| 1.00% | $500 | - | 15 Month CD Special | |
| 0.75% | $500 | - | 36 Month CD | |
| 0.50% | $500 | - | 12 Month CD | |
| 0.50% | $500 | - | 18 Month CD | |
| 0.50% | $500 | - | 24 Month CD | |
| 0.50% | $500 | - | 30 Month CD | |
| 0.50% | $500 | - | 31 Month CD (One Time Rate Change Option) | |
| 0.30% | $2,500 | - | 6 Month CD |
Carthage Federal Savings and Loan Association IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.50% | $500 | - | 72 Month IRA | |
| 1.50% | $500 | - | 59 Month IRA | |
| 1.25% | $500 | - | 60 Month IRA (One Time Rate Change Option) | |
| 1.00% | $500 | - | 48 Month IRA | |
| 1.00% | $500 | - | 15 Month IRA Special | |
| 0.75% | $500 | - | 36 Month IRA | |
| 0.50% | $500 | - | 12 Month IRA | |
| 0.50% | $500 | - | 18 Month IRA | |
| 0.50% | $500 | - | 24 Month IRA | |
| 0.50% | $500 | - | 30 Month IRA | |
| 0.50% | $500 | - | 31 Month IRA (One Time Rate Change Option) |
| Carthage Federal Savings and Loan Association Locations | ||
|---|---|---|
| Watertown Branch | 146 Arsenal St. Ste. 11 | Watertown, NY 13601 |
| Carthage Federal Savings and Loan Association | 313 State St | Carthage, NY 13619 |
| Clayton Branch | 325 State Street | Clayton, NY 13624 |