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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 105th largest bank in the state of New York. It is also the 2,499th largest bank in the nation. It was established in 1888 and as of September of 2019, it had grown to 37 employees at 5 locations. Carthage Federal Savings and Loan Association's CD rates are 33% 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: |

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.

2

Availability

Posted by: |

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

2


Health
A

Data as of Q3 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #28942
Year Established1888
Employees37
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD7.06%
Annual Interest Income$6.9MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$251.1MM$232.9MM
LoansQ3 2019vs Q3 2018$173.6MM$171.7MM
DepositsQ3 2019vs Q3 2018$210.0MM$190.0MM
Equity CapitalQ3 2019vs Q3 2018$27.4MM$25.9MM
Loan Loss AllowanceQ3 2019vs Q3 2018$858.00K$905.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$435.00K$33.00K
Real Estate OwnedQ3 2019vs Q3 2018$84.00K$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
1.75%$500-59 Month CD
1.50%$500-60 Month CD (One Time Rate Change Option)
1.50%$500-15 Month CD Special
1.20%$500-12 Month CD
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%$500-36 Month CD
1.20%$500-48 Month CD
1.20%$500-72 Month CD
0.75%$2.5k-6 Month CD

Carthage Federal Savings and Loan Association IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%$500-59 Month IRA
1.50%$500-60 Month IRA (One Time Rate Change Option)
1.50%$500-15 Month IRA Special
1.20%$500-12 Month IRA
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%$500-36 Month IRA
1.20%$500-48 Month IRA
1.20%$500-72 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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.