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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 113th largest bank in the state of New York. It is also the 3,225th largest bank in the nation. It was established in 1924 and as of December of 2020, it had grown to 24 employees at 2 locations. Massena Savings and Loan's money market rates are 16% higher than the national average, and it has an A health rating.

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Health
A

Data as of Q4 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #30429
Year Established1924
Employees24
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD3.87%
Annual Interest Income$7.5MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$178.7MM$166.2MM
LoansQ4 2020vs Q4 2019$147.3MM$152.1MM
DepositsQ4 2020vs Q4 2019$132.4MM$115.9MM
Equity CapitalQ4 2020vs Q4 2019$23.0MM$22.1MM
Loan Loss AllowanceQ4 2020vs Q4 2019$1.3MM$1.3MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$2.5MM$3.2MM
Real Estate OwnedQ4 2020vs Q4 2019$35.00K$0
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
0.10%$1-Regular Savings Account
0.10%$1-IRA Savings

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
1.53%$1k-60 Month CD
1.33%$1k-48 Month CD
1.23%$1k-36 Month CD
0.61%$1k-24 Month CD
0.41%$1k-12 Month CD
0.31%$2.5k-6 Month CD

Massena Savings and Loan IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.53%$1k-60 Month IRA
1.33%$1k-48 Month IRA
1.23%$1k-36 Month IRA
0.61%$1k-24 Month IRA
0.41%$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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