Cayuga Lake National Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
0.40%	1-year CD	2.55% - Barclays 12 Month Online CD
0.20%	Savings	1.90% - American Express National Bank High Yield Savings Account
1.11%	4-year CD	1.80% - National Average

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 124^th largest bank in the state of New York. It is also the 3,377^th 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

B+

Data as of Q2 2018

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Health Grade Components

Overall
FDIC Certificate #	6954
Year Established	1864
Employees	23
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.99%
Return on Equity - YTD	12.68%
Annual Interest Income	$2.6MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$155.2MM$155.2MM
Loans	Q2 2018vs Q2 2017	$68.2MM$69.7MM
Deposits	Q2 2018vs Q2 2017	$139.8MM$139.8MM
Equity Capital	Q2 2018vs Q2 2017	$12.4MM$12.4MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$397.00K$368.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$115.00K$134.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$0

Rates

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Money Market
Checking
CD
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Cayuga Lake National Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$2.5k	-	Money Market Savings Account
0.20%	$2.5k	-	Business Money Market Savings Account

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%	$1	-	Business NOW Account - Limited Availability

Cayuga Lake National Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

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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