PathFinder Bank

Overview / Commentary

www.pathfinderbank.com

315-343-0057

214 West First Street
Oswego, NY 13126

PathFinder Bank is headquartered in OSWEGO and is the 45^th largest bank in the state of New York. It is also the 754^th largest bank in the nation. It was established in 2002 and as of December of 2023, it had grown to 165 employees at 12 locations. PathFinder Bank's money market rates are 9X the national average, and it has a B+ health rating.

View all posts from:

2019
2018
2017
Earlier

4/4 - PathFinder Bank (NY) Adds "You Choose" CD Specials, 3.00% APY

12/26 - 14-Month Winter CD Special, 2.90% APY
2/17 - PathFinder Bank (NY) Ups High Yield MMA, 1 Year Guarantee

10/6 - PathFinder Bank (NY) Guarantees Money Market Rate For A Year
8/31 - PathFinder Bank (NY) Adds 17-Month Fall CD Special
4/27 - PathFinder Bank (NY) Promotes 18-Month CD Special

12/6/08 - 4.40% 13-Month / 4.15% 5-Month CD at Pathfinder Bank in New York

Reviews (2)

Write a Review

Apply On-Line

Posted by: cbr6861 | Jun 12, 2017

But only if you live in a designated market area.

Comment

Do Not Bother Unless You Are Local

Posted by: ET | Apr 16, 2019

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.

Comment

Health

B+

Data as of Q4 2023

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	57497
Year Established	2002
Employees	165
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.81%
Return on Equity - YTD	8.76%
Annual Interest Income	$67.9MM

Assets and Liabilities
Assets	Q4 2023vs Q4 2022	$1.46B$1.4B
Loans	Q4 2023vs Q4 2022	$881.2MM$882.4MM
Deposits	Q4 2023vs Q4 2022	$1.13B$1.14B
Equity Capital	Q4 2023vs Q4 2022	$137.9MM$126.1MM
Loan Loss Allowance	Q4 2023vs Q4 2022	$16MM$15.3MM
Unbacked Noncurrent Loans	Q4 2023vs Q4 2022	$16.9MM$8.8MM
Real Estate Owned	Q4 2023vs Q4 2022	$151K$221K

Rates

Skip to rates for:

Savings
Money Market
Checking
CD

Report an Issue

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

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	-	$30k	Kasasa Saver
OTHER TIERS: 0.25% → $30k+
0.60%^*	$50k^*	-	Health Savings Account (HSA)
OTHER TIERS: 0.20% → $100 - $7.5k \| 0.30% → $7.5k - $20k \| 0.40% → $20k - $35k \| 0.50% → $35k - $50k
0.50%	$100	-	Municipal Savings
0.30%^*	$25k^*	-	Business Savings
OTHER TIERS: 0.20% → $300 - $10k \| 0.25% → $10k - $25k
0.20%	$100	-	Statement Savings
0.20%	$5	-	Young Investor Club
0.20%	$2	-	Holiday Club

PathFinder Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%^*	$1m^*	-	High Yield Business Bonus Money Market Promo
OTHER TIERS: 2.90% → $2.5k - $250k \| 4.15% → $250k - $1m
4.15%^*	$250k^*	-	Premier Money Markey Deposit Account - New Money
OTHER TIERS: 1.00% → Any amount \| 2.00% → $25k - $50k \| 4.00% → $50k - $250k
4.00%^*	$1m^*	-	High Yield Business Money Market Promo
OTHER TIERS: 2.40% → $2.5k - $250k \| 3.65% → $250k - $1m
2.90%^*	$1m^*	-	Municipal Money Market Deposit Account
OTHER TIERS: 0.75% → $2.5k - $25k \| 1.00% → $25k - $100k \| 1.50% → $100k - $500k \| 1.75% → $500k - $1m
1.70%^*	$250k^*	-	Executive Business Money Market Deposit
OTHER TIERS: 0.35% → $2.5k - $10k \| 0.45% → $10k - $25k \| 0.65% → $25k - $50k \| 1.20% → $50k - $75k \| 1.55% → $75k - $250k
0.25%^*	$75k^*	-	Money Market Account
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.15% → $10k - $50k \| 0.20% → $50k - $75k

PathFinder Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%^*	-	$30k	Kasasa Cash Checking
OTHER TIERS: 0.50% → $30k+
3.35%	$100	-	IOLA Checking
0.65%	$1k	-	Business Checking
0.50%	$100	-	Municipal Now Checking
0.20%	-	-	Landlord Tenant Savings
0.15%	$100	-	Estate Checking
0.10%^*	$25k^*	-	Money Management Checking
OTHER TIERS: 0.03% → Up to $10k \| 0.07% → $10k - $25k

PathFinder Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.10%^*	$250k^*	-	8 Month CD Special
OTHER TIERS: 4.75% → $1k - $50k \| 4.85% → $50k - $100k \| 5.00% → $100k - $250k
4.40%	$1k	-	2 Year CD
4.25%	$1k	-	3 Year CD
1.10%	$1k	-	4 Year CD
0.80%	$1k	-	1 Year CD

Locations

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

Central Square Branches
Central Square Branch	3025 East Avenue	Central Square, NY 13036

Cicero Branches
Cicero Branch	6194 State Route 31	Cicero, NY 13039

Fulton Branches
Fulton Branch	5 West 1st Street South	Fulton, NY 13069

Lacona Branches
Lacona Branch	1897 Harwood Drive	Lacona, NY 13083

Liverpool Branches
Clay Branch	3775 Route 31	Liverpool, NY 13090

Mexico Branches
Mexcio Branch	3361 Main Street	Mexico, NY 13114

Oswego Branches
Pathfinder Commercial Bank	214 W 1st St	Oswego, NY 13126
Oswego Plaza Branch	Route 104 East	Oswego, NY 13126
Oswego Downtown Drive-Thru Branch	34 East Bridge Street	Oswego, NY 13126

Syracuse Branches
Pike Block Business Office Branch	109 West Fayette Street	Syracuse, NY 13202

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.