PathFinder Bank

Overview / Commentary
214 West First Street
Oswego, NY 13126

PathFinder Bank is headquartered in Oswego and is the 46th largest bank in the state of New York. It is also the 758th largest bank in the nation. It was established in 2002 and as of June of 2022, it had grown to 165 employees at 11 locations. PathFinder Bank's money market rates are 6X the national average, and it has a B+ health rating.

Reviews (2)

Apply On-Line

Posted by: |

But only if you live in a designated market area.

Do Not Bother Unless You Are Local

Posted by: |

After successfully completing an online application, PathFinder will ask you to complete a paper application with all information already been provided online. What a waste of time! Their reasoning is a requirement by their audit department.

PathFinder is better off not offering online application.


Health Grade Components

FDIC Certificate #57497
Year Established2002
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD11.78%
Annual Interest Income$22.8MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$1.37B$1.25B
LoansQ2 2022vs Q2 2021$853.2MM$820.4MM
DepositsQ2 2022vs Q2 2021$1.15B$1.05B
Equity CapitalQ2 2022vs Q2 2021$120.9MM$113.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$13.1MM$14.6MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$11.4MM$15.7MM
Real Estate OwnedQ2 2022vs Q2 2021$221.00K$0
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Always verify rates and promotions with the bank or credit union. We are not PathFinder Bank; 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.

PathFinder Bank Savings Account Rates

0.50%*$50k*-Health Savings Account (HSA)
OTHER TIERS: 0.10% $100 - $7.5k | 0.15% $7.5k - $20k | 0.35% $20k - $35k | 0.40% $35k - $50k
0.25%*$25k*-Business Savings
OTHER TIERS: 0.10% $100 - $10k | 0.15% $10k - $25k
0.10%$100-Statement Savings
0.10%$100-Passbook Savings
0.10%$5-Young Investor Club
0.10%$2-Holiday Club

PathFinder Bank Money Market Rates

2.70%*$1m*-Personal Money Market Special
OTHER TIERS: 0.25% $2.5k - $10k | 0.37% $10k - $25k | 0.57% $25k - $50k | 0.90% $50k - $75k | 1.51% $75k - $100k | 2.05% $100k - $250k | 2.15% $250k - $500k | 2.45% $500k - $1m
1.51%*$250k*-Executive Business Money Market Deposit
OTHER TIERS: 0.20% $2.5k - $10k | 0.30% $10k - $25k | 0.50% $25k - $50k | 1.00% $50k - $75k | 1.36% $75k - $250k
0.15%*$75k*-Money Market Account
OTHER TIERS: 0.03% $2.5k - $10k | 0.05% $10k - $50k | 0.10% $50k - $75k

PathFinder Bank Checking Account Rates

0.10%*$25k*-Money Management Checking
OTHER TIERS: 0.03% Up to $10k | 0.07% $10k - $25k
0.10%*$10k*-Business Checking
OTHER TIERS: 0.03% Up to $5k | 0.07% $5k - $10k
0.10%*$25k*-IOLTA Checking
OTHER TIERS: 0.03% $100 - $10k | 0.07% $10k - $25k

PathFinder Bank CD Rates

4.10%*$100k*-21 Month CD Special
OTHER TIERS: 3.75% $1k - $50k | 3.90% $50k - $100k
3.25%$1k-36 Month Bump Up CD Special
3.15%$1k-2 Year Bump Up CD Special
1.05%$1k-4 Year CD
1.00%$1k-3 Year CD
0.90%$1k-2 Year CD
0.75%$1k-1 Year CD
0.65%$1k-6 Month CD

Cities: Central Square, Cicero, Fulton, Lacona, Liverpool, Mexico, Oswego, Syracuse

Central Square Branches
Central Square Branch3025 East AvenueCentral Square, NY 13036

Cicero Branches
Cicero Branch6194 State Route 31Cicero, NY 13039

Fulton Branches
Fulton Branch5 West 1st Street SouthFulton, NY 13069

Lacona Branches
Lacona Branch1897 Harwood DriveLacona, NY 13083

Liverpool Branches
Clay Branch3775 Route 31Liverpool, NY 13090

Mexico Branches
Mexcio Branch3361 Main StreetMexico, NY 13114

Oswego Branches
Pathfinder Commercial Bank214 W 1st StOswego, NY 13126
Oswego Plaza BranchRoute 104 EastOswego, NY 13126
Oswego Downtown Drive-Thru Branch34 East Bridge StreetOswego, NY 13126

Syracuse Branches
Pike Block Business Office Branch109 West Fayette StreetSyracuse, NY 13202

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