Massena Savings and Loan

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 99^th largest bank in the state of New York. It is also the 3,138^th largest bank in the nation. It was established in 1924 and as of March of 2025, it had grown to 22 employees at 2 locations. Massena Savings and Loan has an A health rating.

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Health

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	30429
Year Established	1924
Employees	22
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.65%
Return on Equity - YTD	4.36%
Annual Interest Income	$2.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$187.2MM$184.1MM
Loans	Q1 2025vs Q1 2024	$167.9MM$162.8MM
Deposits	Q1 2025vs Q1 2024	$146MM$134.2MM
Equity Capital	Q1 2025vs Q1 2024	$27.9MM$26.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.3MM$1.4MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.3MM$2.4MM
Real Estate Owned	Q1 2025vs Q1 2024	$330K$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for Massena Savings and Loan are currently being reviewed.

Locations

Massena Savings and Loan Locations
Waddington Branch	155 Lincoln Avenue	Waddington, NY 13694
Massena Savings and Loan	255 Main St	Massena, NY 13662

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