PathFinder Bank

Overview / Commentary
214 West First Street
Oswego, NY 13126

PathFinder Bank is headquartered in OSWEGO and is the 45th largest bank in the state of New York. It is also the 754th 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.

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 - YTD0.81%
Return on Equity - YTD8.76%
Annual Interest Income$67.9MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.46B$1.4B
LoansQ4 2023vs Q4 2022$881.2MM$882.4MM
DepositsQ4 2023vs Q4 2022$1.13B$1.14B
Equity CapitalQ4 2023vs Q4 2022$137.9MM$126.1MM
Loan Loss AllowanceQ4 2023vs Q4 2022$16MM$15.3MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$16.9MM$8.8MM
Real Estate OwnedQ4 2023vs Q4 2022$151K$221K
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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

1.00%*-$30kKasasa 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

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

4.00%*-$30kKasasa 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

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

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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