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Carthage Federal Savings and Loan Association

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Overview / Commentary
www.carthagesavings.com
800-232-0450
313 State St
Carthage, NY 13619

Carthage Federal Savings and Loan Association is headquartered in Carthage and is the 113th largest bank in the state of New York. It is also the 2,888th largest bank in the nation. It was established in 1888 and as of December 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 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.

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.

1


Health
A

Data as of Q4 2017

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #28942
Year Established1888
Employees32
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD9%
Annual Interest Income$7.7MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$207.8MM$205.3MM
LoansQ4 2017vs Q4 2016$169.4MM$161.4MM
DepositsQ4 2017vs Q4 2016$164.4MM$166.7MM
Equity CapitalQ4 2017vs Q4 2016$24.1MM$22.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$863.00K$802.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$73.00K$176.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$93.00K
Rates
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* 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%--Statement
0.10%--Passbook
0.10%--Christmas Club

Carthage Federal Savings and Loan Association Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$40k*$10mMoney Market Account
OTHER TIERS: 0.10% → $2,500 - $5k | 0.25% → $5k - $40k

Carthage Federal Savings and Loan Association Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$2,500*$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
2.25%$500-72 Month CD
2.00%$500-48 Month CD
1.50%$500-60 Month CD (One Time Rate Change Option)
1.50%$500-59 Month CD
1.00%$500-30 Month CD
1.00%$500-15 Month CD Special
0.75%$500-18 Month CD
0.75%$500-36 Month CD
0.50%$500-12 Month CD
0.50%$500-24 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$500-72 Month IRA
2.00%$500-48 Month IRA
1.50%$500-60 Month IRA (One Time Rate Change Option)
1.50%$500-59 Month IRA
1.00%$500-30 Month IRA
1.00%$500-15 Month IRA Special
0.75%$500-18 Month IRA
0.75%$500-36 Month IRA
0.50%$500-12 Month IRA
0.50%$500-24 Month IRA
0.50%$500-31 Month IRA (One Time Rate Change Option)
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

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