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Massena Savings and Loan


Overview / Commentary
www.massenasavingsloan.com
315-764-0541
255 Main Street
Massena, NY 13662

Massena Savings and Loan is headquartered in Massena and is the 109th largest bank in the state of New York. It is also the 3,318th largest bank in the nation. It was established in 1924 and as of June of 2022, it had grown to 22 employees at 2 locations. Massena Savings and Loan's CD rates are 4X the national average, and it has a B+ health rating.

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Health
B+

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #30429
Year Established1924
Employees22
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD4.29%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$172.6MM$186.1MM
LoansQ2 2022vs Q2 2021$149.4MM$147.6MM
DepositsQ2 2022vs Q2 2021$129.9MM$139.3MM
Equity CapitalQ2 2022vs Q2 2021$24.4MM$23.5MM
Loan Loss AllowanceQ2 2022vs Q2 2021$1.3MM$1.3MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.4MM$2.2MM
Real Estate OwnedQ2 2022vs Q2 2021$65.00K$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Massena Savings and Loan; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.51%$1-IRA Savings
0.10%$1-Regular Savings Account

Massena Savings and Loan Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.51%*$25k*-Money Market Savings Account
OTHER TIERS: 0.25% → $2.5k - $25k

Massena Savings and Loan Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$25k*-NOW Account
OTHER TIERS: 0.05% → Up to $2.5k | 0.10% → $2.5k - $25k

Massena Savings and Loan CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.12%$1k-24 Month CD
3.86%$1k-12 Month CD
2.56%$1k-60 Month CD
2.30%$1k-48 Month CD
2.04%$1k-36 Month CD
1.02%$2.5k-6 Month CD

Massena Savings and Loan IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.12%$1k-24 Month IRA
3.86%$1k-12 Month IRA
2.56%$1k-60 Month IRA
2.30%$1k-48 Month IRA
2.04%$1k-36 Month IRA
Locations


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

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