Cayuga Lake National Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.48%	1-year CD	2.75% - Barclays 12 Month Online CD
0.30%	Savings	2.10% - American Express National Bank High Yield Savings Account
3.14%	4-year CD	2.90% - Barclays 48 Month Online CD

View all Cayuga Lake National Bank rates »

Overview / Commentary

www.cayugalakenationalbank.com

315-889-7358

3 Cayuga Street
Union Springs, NY 13160

Cayuga Lake National Bank is headquartered in Union Springs and is the 125^th largest bank in the state of New York. It is also the 3,457^th 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

Data as of Q3 2018

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Health Grade Components

Overall
FDIC Certificate #	6954
Year Established	1864
Employees	22
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.36%
Return on Equity - YTD	16.91%
Annual Interest Income	$3.8MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$147.0MM$156.2MM
Loans	Q3 2018vs Q3 2017	$68.3MM$69.2MM
Deposits	Q3 2018vs Q3 2017	$131.7MM$140.9MM
Equity Capital	Q3 2018vs Q3 2017	$12.7MM$12.3MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$392.00K$369.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$0$125.00K
Real Estate Owned	Q3 2018vs Q3 2017	$0$0

Rates

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Money Market
Checking
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* 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

APY	MIN	MAX	ACCOUNT NAME
0.30%	$10	-	Passbook Savings Account
0.30%	$10	-	Statement Savings Account
0.20%	$10	-	Christmas Club

Cayuga Lake National Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

Locations

Cayuga Lake National Bank Locations
Aurora Branch	2 Main Street	Aurora, NY 13026
Cayuga Lake National Bank	3 Cayuga Street	Union Springs, NY 13160

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