PathFinder Bank

TODAY'S FEATURED RATES

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

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

4.44%

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.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 March of 2025, it had grown to 180 employees at 13 locations. PathFinder Bank's money market rates are 8X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	57497
Year Established	2002
Employees	180
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.94%
Return on Equity - YTD	9.77%
Annual Interest Income	$19.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.49B$1.45B
Loans	Q1 2025vs Q1 2024	$894.7MM$874.9MM
Deposits	Q1 2025vs Q1 2024	$1.27B$1.15B
Equity Capital	Q1 2025vs Q1 2024	$143.7MM$141.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$17.4MM$16.7MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$12.9MM$19.4MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$82K

TODAY'S FEATURED RATES

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

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

4.44%

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

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Savings
Money Market
Checking
CD

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* 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%^*	$0	$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%	$300	-	Statement Savings
0.20%	$5	-	Young Investor Club
0.20%	$0	-	Holiday Club

PathFinder Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.65%^*	$500k^*	-	High Yield Business Bonus Money Market Promo
OTHER TIERS: 1.90% → $2.5k - $100k \| 2.65% → $100k - $250k \| 3.15% → $250k - $500k
3.65%^*	$250k^*	-	Premier Money Markey Deposit Account - New Money
OTHER TIERS: 1.90% → $2.5k - $50k \| 2.65% → $50k - $100k \| 3.15% → $100k - $250k
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
2.65%^*	$500k^*	-	High Yield Business Money Market Promo
OTHER TIERS: 0.90% → $2.5k - $100k \| 1.65% → $100k - $250k \| 2.15% → $250k - $500k
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%^*	$0	$30k	Kasasa Cash Checking
OTHER TIERS: 0.50% → $30k+
2.70%	$100	-	IOLA Checking
1.00%^*	$25k^*	-	Premier Checking
OTHER TIERS: 0.25% → $500 - $10k \| 0.50% → $10k - $25k
0.65%	$1k	-	Business Checking
0.50%	$100	-	Municipal Now Checking
0.20%	$300	-	Landlord Tenant Savings
0.15%	$100	-	Estate Checking
0.10%^*	$10k^*	-	Analyzed Business Checking
OTHER TIERS: 0.03% → $100 - $5k \| 0.07% → $5k - $10k

PathFinder Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%	$1k	-	7 Month CD Special w/ Relationship
4.00%	$1k	-	7 Month CD Special w/o Relationship
3.75%	$1k	-	13 Month Choose Your Term CD Special
3.75%	$1k	-	24 Month Choose Your Term CD Special
3.00%	$1k	-	2 Year CD
2.50%	$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

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