Massena Savings and Loan


Overview / Commentary
315-764-0541
255 Main Street
Massena, NY 13662

Massena Savings and Loan is headquartered in Massena and is the 113th largest bank in the state of New York. It is also the 3,181st largest bank in the nation. It was established in 1924 and as of September of 2020, it had grown to 26 employees at 2 locations. Massena Savings and Loan's money market rates are 73% higher than the national average, and it has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #30429
Year Established1924
Employees26
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD4.46%
Annual Interest Income$5.6MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$179.9MM$165.5MM
LoansQ3 2020vs Q3 2019$150.2MM$151.6MM
DepositsQ3 2020vs Q3 2019$128.6MM$117.1MM
Equity CapitalQ3 2020vs Q3 2019$22.9MM$22.1MM
Loan Loss AllowanceQ3 2020vs Q3 2019$1.1MM$1.2MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$2.9MM$3.1MM
Real Estate OwnedQ3 2020vs Q3 2019$0$80.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Massena Savings and Loan Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.28%$1-IRA Savings
0.25%$1-Regular Savings Account

Massena Savings and Loan Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.76%*$25k*-Money Market Savings Account
OTHER TIERS: 0.25% $2.5k - $25k

Massena Savings and Loan Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.02%*$25k*-NOW Account
OTHER TIERS: 0.25% Up to $2.5k | 0.76% $2.5k - $25k

Massena Savings and Loan CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%$1k-60 Month CD
1.84%$1k-48 Month CD
1.69%$1k-36 Month CD
1.12%$1k-24 Month CD
0.87%$1k-12 Month CD
0.76%$2.5k-6 Month CD

Massena Savings and Loan IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%$1k-60 Month IRA
1.84%$1k-48 Month IRA
1.69%$1k-36 Month IRA
1.48%$1k-24 Month IRA
1.28%$1k-12 Month IRA
Locations


Massena Savings and Loan Locations
Waddington Branch155 Lincoln AvenueWaddington, NY 13694
Massena Savings and Loan255 Main StreetMassena, NY 13662

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