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Carthage Federal Savings and Loan Association


Overview / Commentary
www.carthagesavings.com
315-493-3480
313 State St
Carthage, NY 13619

Carthage Federal Savings and Loan Association is headquartered in Carthage and is the 100th largest bank in the state of New York. It is also the 2,590th largest bank in the nation. It was established in 1888 and as of December of 2021, it had grown to 42 employees at 4 locations. Carthage Federal Savings and Loan Association has an A+ health rating.

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Reviews (1)

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

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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.

4


Health
A+

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #28942
Year Established1888
Employees42
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD8.69%
Annual Interest Income$8.8MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$284.0MM$277.8MM
LoansQ4 2021vs Q4 2020$195.1MM$195.1MM
DepositsQ4 2021vs Q4 2020$242.6MM$235.8MM
Equity CapitalQ4 2021vs Q4 2020$30.8MM$29.2MM
Loan Loss AllowanceQ4 2021vs Q4 2020$958.00K$916.00K
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$474.00K$315.00K
Real Estate OwnedQ4 2021vs Q4 2020$0$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
0.10%$10k$10mMoney Market Account

Carthage Federal Savings and Loan Association Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2.5k-High Interest Checking
0.01%--50+ Free Interest Checking
0.01%--VIP Free Interest Checking

Carthage Federal Savings and Loan Association CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$500-72 Month CD
0.60%$500-59 Month CD
0.50%$500-30 Month CD
0.50%$500-48 Month CD
0.50%$500-60 Month CD (One Time Rate Change Option)
0.45%$500-31 Month CD (One Time Rate Change Option)
0.45%$500-36 Month CD
0.40%$500-24 Month CD
0.30%$500-12 Month CD
0.30%$500-18 Month CD
0.20%$2.5k-6 Month CD
0.20%$500-15 Month CD

Carthage Federal Savings and Loan Association IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$500-72 Month IRA
0.60%$500-59 Month IRA
0.50%$500-30 Month IRA
0.50%$500-48 Month IRA
0.50%$500-60 Month IRA (One Time Rate Change Option)
0.45%$500-31 Month IRA (One Time Rate Change Option)
0.45%$500-36 Month IRA
0.40%$500-24 Month IRA
0.30%$500-12 Month IRA
0.30%$500-18 Month IRA
0.20%$500-15 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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