Overview / Commentary
3 Cayuga Street
Union Springs, NY 13160

Cayuga Lake National Bank is headquartered in Union Springs and is the 124th largest bank in the state of New York. It is also the 3,377th largest bank in the nation. It was established in 1864 and as of June of 2018, it had grown to 23 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 - YTD0.99%
Return on Equity - YTD12.68%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$155.2MM$155.2MM
LoansQ2 2018vs Q2 2017$68.2MM$69.7MM
DepositsQ2 2018vs Q2 2017$139.8MM$139.8MM
Equity CapitalQ2 2018vs Q2 2017$12.4MM$12.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$397.00K$368.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$115.00K$134.00K
Real Estate OwnedQ2 2018vs Q2 2017$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

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

Cayuga Lake National Bank Money Market Rates

0.20%$2.5k-Money Market Savings Account
0.20%$2.5k-Business Money Market Savings Account

Cayuga Lake National Bank Checking Account Rates

0.20%$500-Personal NOW Account
0.20%$1-Personal Super NOW Account
0.20%$1-Business NOW Account - Limited Availability

Cayuga Lake National Bank CD Rates

2.53%$100k-12 Month Jumbo CD
2.53%$100k-Business 12 Month Jumbo CD
2.01%$10k-19 Month CD Consumer Special
2.01%$10k-Business 19 Month CD
2.01%$10k-19 Month CD
1.51%$500-9 Month CD
1.51%$500-Business 9 Month CD
1.11%$500-48 Month CD
1.11%$500-Business 48 Month CD
1.00%$500-36 Month CD
1.00%$500-Business 36 Month CD
0.90%$500-18 Month Step-Up CD
0.90%$500-Business 18 Month Step-Up CD
0.70%$500-30 Month CD
0.70%$500-Business 30 Month CD
0.65%$500-24 Month CD
0.65%$500-Business 24 Month CD
0.45%$500-18 Month CD
0.45%$100k-6 Month Jumbo CD
0.45%$500-Business 6 Month CD
0.45%$100k-Business 6 Month Jumbo CD
0.45%$500-Business 18 Month CD
0.40%$500-12 Month CD
0.40%$500-Business 12 Month CD
0.30%$100k-4 Month Jumbo CD
0.30%$100k-Business 4 Month Jumbo CD
0.25%$500-6 Month CD
0.25%$100k-3 Month Jumbo CD
0.25%$100k-Business 3 Month Jumbo CD
0.20%$100k-2 Month Jumbo CD
0.20%$100k-Business 2 Month Jumbo CD
0.15%$2.5k-3 Month CD
0.15%$100k-1 Month Jumbo CD
0.15%$100k-Business 1 Month Jumbo CD
0.15%$2.5k-Business 3 Month CD
0.10%$2.5k-7 Day CD
0.10%$2.5k-14 Day CD
0.10%$2.5k-1 Month CD
0.10%$100k-7 Day Jumbo CD
0.10%$2.5k-Business 7 Day CD
0.10%$100k-Business 7 Day Jumbo CD
0.10%$2.5k-Business 14 Day CD
0.10%$2.5k-Business 1 Month CD

Cayuga Lake National Bank IRA Rates

1.10%$500-48 Month IRA
1.10%$500-Business 48 Month IRA
1.00%$500-36 Month IRA
1.00%$500-Business 36 Month IRA
0.70%$500-30 Month IRA
0.70%$500-Business 30 Month IRA
0.65%$500-24 Month IRA
0.65%$500-Business 24 Month IRA
0.45%$500-18 Month IRA
0.45%$500-Business 18 Month IRA
0.40%$500-12 Month IRA
0.40%$500-Business 12 Month IRA
0.25%$500-6 Month IRA
0.25%$500-Business 6 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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