Cayuga Lake National Bank

Overview / Commentary
3 Cayuga Street
Union Springs, NY 13160

Cayuga Lake National Bank is headquartered in Union Springs and is the 121st largest bank in the state of New York. It is also the 3,365th largest bank in the nation. It was established in 1864 and as of March of 2019, it had grown to 22 employees at 2 locations. Cayuga Lake National Bank has a B+ health rating.

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13-Month CD, 3.14% APY - 3/21/2019

13-month CD, 3.14% APY, $50,000 minimum deposit. Located in western New York state. Must be opened in-branch


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Health Grade Components

FDIC Certificate #6954
Year Established1864
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD9.94%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$152.1MM$154.4MM
LoansQ1 2019vs Q1 2018$68.8MM$68.1MM
DepositsQ1 2019vs Q1 2018$138.4MM$139.2MM
Equity CapitalQ1 2019vs Q1 2018$12.3MM$12.0MM
Loan Loss AllowanceQ1 2019vs Q1 2018$392.00K$356.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$5.00K$99.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
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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

0.25%$10-Passbook Savings Account
0.25%$10-Statement Savings Account
0.20%$10-Christmas Club

Cayuga Lake National Bank Money Market Rates

0.45%*$100k*-Money Market Savings Account
OTHER TIERS: 0.25% $2.5k - $10k | 0.30% $10k - $50k | 0.35% $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

2.02%$10k-13 Month CD
1.26%*$50k*-48 Month CD
OTHER TIERS: 1.11% $500 - $50k
1.21%*$50k*-36 Month CD
OTHER TIERS: 1.00% $500 - $50k
1.11%*$50k*-24 Month CD
OTHER TIERS: 0.95% $500 - $50k
1.00%*$50k*-18 Month CD
OTHER TIERS: 0.80% $500 - $50k
0.90%*$50k*-18 Month Step-Up CD
OTHER TIERS: 0.80% $500 - $50k
0.80%*$50k*-12 Month CD
OTHER TIERS: 0.75% $500 - $100k
0.75%*$50k*-6 Month CD
OTHER TIERS: 0.25% $500 - $100k

Cayuga Lake National Bank IRA Rates

2.02%$10k-13 Month IRA
1.26%*$50k*-48 Month IRA
OTHER TIERS: 1.10% $500 - $50k
1.21%*$50k*-36 Month IRA
OTHER TIERS: 1.00% $500 - $50k
1.10%*$50k*-24 Month IRA
OTHER TIERS: 0.95% $500 - $50k
1.00%*$50k*-18 Month IRA
OTHER TIERS: 0.80% $500 - $50k
0.80%*$50k*-12 Month IRA
OTHER TIERS: 0.75% $500 - $100k
0.75%*$50k*-6 Month IRA
OTHER TIERS: 0.25% $500 - $100k

Cayuga Lake National Bank Locations
Cayuga Lake National Bank165 Cayuga StUnion Springs, NY 13160

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