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Carthage Federal Savings and Loan Association


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
Bonus Amount
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 86th largest bank in the state of New York. It is also the 2,460th 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

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Health Grade Components

Overall
FDIC Certificate #28942
Year Established1888
Employees38
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD4.23%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$308.3MM$299.2MM
LoansQ1 2025vs Q1 2024$224MM$215.4MM
DepositsQ1 2025vs Q1 2024$256.2MM$248.8MM
Equity CapitalQ1 2025vs Q1 2024$42.6MM$39.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.4MM$1.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$66K$118K
Real Estate OwnedQ1 2025vs Q1 2024$97K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
Bonus Amount
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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* 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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