Gouverneur Savings and Loan Association

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
0.50%	1-year CD	2.75% - Goldman Sachs Bank USA High-yield 12 Month CD
0.25%	Savings	2.20% - Barclays Online Savings Account
2.02%	4-year CD	1.99% - National Average

View all Gouverneur Savings and Loan Association rates »

Overview / Commentary

www.gouverneurbank.com

315-287-2600

42 Church Street
Gouverneur, NY 13642

Gouverneur Savings and Loan Association is headquartered in Gouverneur and is the 129^th largest bank in the state of New York. It is also the 3,668^th largest bank in the nation. It was established in 1892 and as of December of 2018, it had grown to 34 employees at 2 locations. Gouverneur Savings and Loan Association has a B+ health rating.

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Health

B+

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	30976
Year Established	1892
Employees	34
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.88%
Return on Equity - YTD	3.9%
Annual Interest Income	$5.8MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$130.6MM$134.5MM
Loans	Q4 2018vs Q4 2017	$94.8MM$99.2MM
Deposits	Q4 2018vs Q4 2017	$83.7MM$84.2MM
Equity Capital	Q4 2018vs Q4 2017	$30.0MM$29.8MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$771.00K$850.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$1.9MM$1.2MM
Real Estate Owned	Q4 2018vs Q4 2017	$518.00K$762.00K

Rates

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Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Gouverneur Savings and Loan Association Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$10	-	Passbook Savings
0.25%	$10	-	Statement Savings
0.25%	$10	-	Christmas Club
0.25%	$10	-	Vacation Club

Gouverneur Savings and Loan Association Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$10k^*	-	Money Market Checking
OTHER TIERS: 0.15% → Up to $10k

Gouverneur Savings and Loan Association Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$600	-	Personal Checking With Interest

Gouverneur Savings and Loan Association CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	$2.5k	-	48 Month CD
1.71%	$2.5k	-	36 Month CD
1.51%	$2.5k	-	25 Month CD
0.75%	$2.5k	-	24 Month CD
0.75%	$1.5k	-	15 Month CD
0.50%	$2.5k	-	6 Month CD
0.50%	$1k	-	12 Month CD

Gouverneur Savings and Loan Association IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.05%	$500	-	48 Month IRA
1.74%	$500	-	36 Month IRA
0.76%	$500	-	15 Month IRA
0.76%	$500	-	24 Month IRA
0.51%	$500	-	12 Month IRA

Locations

Gouverneur Savings and Loan Association Locations
Alexandria Bay Branch	15 Nys Route 12	Alexandria Bay, NY 13607
Gouverneur Savings and Loan Association	42 Church Street	Gouverneur, NY 13642

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