Carthage Federal Savings and Loan Association

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 86^th largest bank in the state of New York. It is also the 2,460^th largest bank in the nation. It was established in 1888 and as of March of 2025, 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

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	28942
Year Established	1888
Employees	38
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.59%
Return on Equity - YTD	4.23%
Annual Interest Income	$3.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$308.3MM$299.2MM
Loans	Q1 2025vs Q1 2024	$224MM$215.4MM
Deposits	Q1 2025vs Q1 2024	$256.2MM$248.8MM
Equity Capital	Q1 2025vs Q1 2024	$42.6MM$39.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.4MM$1.4MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$66K$118K
Real Estate Owned	Q1 2025vs Q1 2024	$97K$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking
CD
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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$10	-	Statement Savings

Carthage Federal Savings and Loan Association Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$10k	$10m	Money Market Account

Carthage Federal Savings and Loan Association Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Branch	146 Arsenal St. Ste. 11	Watertown, NY 13601
Carthage Federal Savings and Loan Association	313 State St	Carthage, NY 13619
Clayton Branch	325 State Street	Clayton, NY 13624
Croghan Branch	9756 Main Street	Croghan, 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.