Carthage Federal Savings and Loan Association


Overview / Commentary
315-493-3480
313 State St
Carthage, NY 13619

Carthage Federal Savings and Loan Association is headquartered in Carthage and is the 108th largest bank in the state of New York. It is also the 2,568th largest bank in the nation. It was established in 1888 and as of June of 2019, it had grown to 40 employees at 5 locations. Carthage Federal Savings and Loan Association's CD rates are 56% higher than the national average, and it has an A health rating.

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Reviews (2)

Moved 40 Miles From The Closest Branch, I Kept All Of My Accounts With CFS&L.

Posted by: thisisk | May 25, 2011

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.

Availability

Posted by: Meehl0069 | May 18, 2018

Your wasting your time if you don't live 50 miles from the bank !!



Health

Health Grade Components

Overall
FDIC Certificate #28942
Year Established1888
Employees40
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD7.55%
Annual Interest Income$4.6MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$239.4MM$229.0MM
LoansQ2 2019vs Q2 2018$171.6MM$170.9MM
DepositsQ2 2019vs Q2 2018$197.9MM$185.9MM
Equity CapitalQ2 2019vs Q2 2018$27.0MM$25.3MM
Loan Loss AllowanceQ2 2019vs Q2 2018$892.00K$889.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$147.00K$37.00K
Real Estate OwnedQ2 2019vs Q2 2018$72.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$10-Statement Savings

Carthage Federal Savings and Loan Association Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$40k*$10mMoney Market Account
OTHER TIERS: 0.10% $2.5k - $5k | 0.25% $5k - $40k

Carthage Federal Savings and Loan Association Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$2.5k*$25kHigh 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$2.5k-6 Month CD
2.00%$500-15 Month CD Special
1.50%$500-72 Month CD
1.40%$500-12 Month CD
1.35%$500-36 Month CD
1.30%$500-60 Month CD (One Time Rate Change Option)
1.20%$500-18 Month CD
1.20%$500-24 Month CD
1.20%$500-30 Month CD
1.20%$500-31 Month CD (One Time Rate Change Option)
1.20%$500-48 Month CD
1.20%$500-59 Month CD

Carthage Federal Savings and Loan Association IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500-15 Month IRA Special
1.50%$500-72 Month IRA
1.40%$500-12 Month IRA
1.35%$500-36 Month IRA
1.30%$500-60 Month IRA (One Time Rate Change Option)
1.20%$500-18 Month IRA
1.20%$500-24 Month IRA
1.20%$500-30 Month IRA
1.20%$500-31 Month IRA (One Time Rate Change Option)
1.20%$500-48 Month IRA
1.20%$500-59 Month IRA
Locations


Carthage Federal Savings and Loan Association Locations
Watertown Branch146 Arsenal St. Ste. 11Watertown, NY 13601
Carthage Federal Savings and Loan Association313 State StCarthage, NY 13619
Clayton Branch325 State StreetClayton, NY 13624
Croghan Branch9756 Main StreetCroghan, NY 13327

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