Overview / Commentary
3 Cayuga Street
Union Springs, NY 13160

Cayuga Lake National Bank is headquartered in Union Springs and is the 125th largest bank in the state of New York. It is also the 3,457th largest bank in the nation. It was established in 1864 and as of September of 2018, it had grown to 22 employees at 2 locations. Cayuga Lake National Bank's CD rates are 3X the national average, and it has a B health rating.


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Health Grade Components

FDIC Certificate #6954
Year Established1864
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.36%
Return on Equity - YTD16.91%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$147.0MM$156.2MM
LoansQ3 2018vs Q3 2017$68.3MM$69.2MM
DepositsQ3 2018vs Q3 2017$131.7MM$140.9MM
Equity CapitalQ3 2018vs Q3 2017$12.7MM$12.3MM
Loan Loss AllowanceQ3 2018vs Q3 2017$392.00K$369.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$0$125.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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Always verify rates and promotions with the bank or credit union. We are not Cayuga Lake National Bank; 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.

Cayuga Lake National Bank Savings Account Rates

0.30%$10-Passbook Savings Account
0.30%$10-Statement Savings Account
0.20%$10-Christmas Club

Cayuga Lake National Bank Money Market Rates

1.00%*$100k*-Money Market Savings Account
OTHER TIERS: 0.30% $2.5k - $10k | 0.50% $10k - $50k | 0.75% $50k - $100k

Cayuga Lake National Bank Checking Account Rates

0.20%$500-Personal NOW Account
0.20%$1-Personal Super NOW Account
0.20%$1k-Non Personal NOW Account
0.20%$1-Non Personal Super NOW Account

Cayuga Lake National Bank CD Rates

3.14%*$50k*-48 Month CD
OTHER TIERS: 2.38% $500 - $50k
2.63%*$50k*-36 Month CD
OTHER TIERS: 1.87% $500 - $50k
2.58%*$50k*-24 Month CD
OTHER TIERS: 1.81% $500 - $50k
2.53%*$50k*-18 Month CD
OTHER TIERS: 1.76% $500 - $50k
2.48%*$50k*-12 Month CD
OTHER TIERS: 1.71% $500 - $100k
2.38%$50k-9 Month CD
2.27%*$50k*-6 Month CD
OTHER TIERS: 0.25% $500 - $100k
2.02%$10k-19 Month CD
1.76%$500-18 Month Step-Up CD

Cayuga Lake National Bank IRA Rates

3.14%*$50k*-48 Month IRA
OTHER TIERS: 2.37% $500 - $50k
2.62%*$50k*-36 Month IRA
OTHER TIERS: 1.86% $500 - $50k
2.57%*$50k*-24 Month IRA
OTHER TIERS: 1.81% $500 - $50k
2.52%*$50k*-18 Month IRA
OTHER TIERS: 1.76% $500 - $50k
2.47%*$50k*-12 Month IRA
OTHER TIERS: 1.70% $500 - $100k
2.37%$50k-9 Month IRA
2.26%*$50k*-6 Month IRA
OTHER TIERS: 0.25% $500 - $100k
2.02%$500-19 Month IRA

Cayuga Lake National Bank Locations
Aurora Branch2 Main StreetAurora, NY 13026
Cayuga Lake National Bank3 Cayuga StreetUnion Springs, NY 13160

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