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 88th largest bank in the state of New York. It is also the 2,500th largest bank in the nation. It was established in 1888 and as of December of 2024, it had grown to 38 employees at 4 locations. Carthage Federal Savings and Loan Association has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #28942
Year Established1888
Employees38
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.15%
Return on Equity - YTD1.14%
Annual Interest Income$12.1MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$299.3MM$300.9MM
LoansQ4 2024vs Q4 2023$223.8MM$215.8MM
DepositsQ4 2024vs Q4 2023$247.8MM$251.1MM
Equity CapitalQ4 2024vs Q4 2023$41.9MM$40MM
Loan Loss AllowanceQ4 2024vs Q4 2023$1.4MM$1.4MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$381K$182K
Real Estate OwnedQ4 2024vs Q4 2023$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%$0-50+ Free Interest Checking
0.01%$0-VIP Free Interest Checking

Carthage Federal Savings and Loan Association CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.31%$500-15 Month CD
2.05%$500-72 Month CD
1.89%$500-59 Month CD
1.53%$500-31 Month CD (One Time Rate Change Option)
1.28%$500-30 Month CD
1.22%$500-36 Month CD
0.97%$500-12 Month CD
0.97%$500-18 Month CD
0.97%$500-24 Month CD
0.97%$500-48 Month CD
0.97%$500-60 Month CD (One Time Rate Change Option)
0.76%$2.5k-6 Month CD

Carthage Federal Savings and Loan Association IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.31%$500-15 Month IRA
2.05%$500-72 Month IRA
1.89%$500-59 Month IRA
1.53%$500-31 Month IRA (One Time Rate Change Option)
1.28%$500-30 Month IRA
1.22%$500-36 Month IRA
0.97%$500-12 Month IRA
0.97%$500-18 Month IRA
0.97%$500-24 Month IRA
0.97%$500-48 Month IRA
0.97%$500-60 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
Croghan Branch9756 Main StreetCroghan, NY 13327

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