Overview / Commentary
214 West First Street
Oswego, NY 13126

PathFinder Bank is headquartered in Oswego and is the 53rd largest bank in the state of New York. It is also the 832nd largest bank in the nation. It was established in 2002 and as of September of 2018, it had grown to 151 employees at 9 locations. PathFinder Bank's money market rates are 4X the national average, and it has an A health rating.

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PathFinder Bank (NY) Ups High Yield MMA, 1 Year Guarantee - 2/17/2018

PathFinder Bank's (NY) High Yield Money Market Promo (1.60% APY) has a rate guarantee of 12-months. $10k minimum opening deposit of new money. Capped at $1 million.

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Health Grade Components

FDIC Certificate #57497
Year Established2002
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD6.3%
Annual Interest Income$25.6MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$920.5MM$873.7MM
LoansQ3 2018vs Q3 2017$613.1MM$559.9MM
DepositsQ3 2018vs Q3 2017$761.2MM$721.9MM
Equity CapitalQ3 2018vs Q3 2017$73.4MM$71.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$7.8MM$6.6MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$4.3MM$4.7MM
Real Estate OwnedQ3 2018vs Q3 2017$268.00K$671.00K
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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%*$50k*-Health Savings Account (HSA)
OTHER TIERS: 0.15% $100 - $7.5k | 0.35% $7.5k - $20k | 0.60% $20k - $35k | 0.75% $35k - $50k
0.20%*$25k*-Pathfinder Business Savings
OTHER TIERS: 0.05% $100 - $10k | 0.10% $10k - $25k
0.15%*$10k*-Extra Savings
OTHER TIERS: 0.05% $100 - $5k | 0.10% $5k - $10k
0.05%$100-Statement Savings
0.05%$100-Passbook Savings
0.05%$5-Young Investor Club
0.05%$100-Holiday Club - Coupon
0.05%$100-Holiday Club - Passbook

PathFinder Bank Money Market Rates

1.80%*$250k*-Business Money Market Promotion
OTHER TIERS: 0.05% $2.5k - $10k | 0.15% $10k - $25k | 0.25% $25k - $50k | 1.70% $50k - $250k
1.60%$10k$1mHigh Yield Money Market Promo
0.25%*$75k*-Money Market Deposit
OTHER TIERS: 0.05% $2.5k - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.20% $50k - $75k
0.25%*$250k*-Executive Money Market Deposit
OTHER TIERS: 0.05% $2.5k - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.20% $50k - $250k

PathFinder Bank Checking Account Rates

0.15%*$25k*-Plus Checking
OTHER TIERS: 0.05% $100 - $10k | 0.10% $10k - $25k
0.15%*$25k*-Money Management Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k
0.15%*$10k*-Business Checking
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $10k
0.15%*$25k*-IOLTA Checking
OTHER TIERS: 0.05% $100 - $10k | 0.10% $10k - $25k
0.05%$100-Extra Checking

PathFinder Bank CD Rates

2.75%$1k-15 Month Autumn CD Special
1.30%$1k-48 Month CD
0.75%$1k-24 Month CD
0.60%$1k-12 Month CD
0.35%$1k-6 Month CD

PathFinder Bank Locations
Fulton Branch5 West 1st Street SouthFulton, NY 13069
Lacona Branch1897 Harwood DriveLacona, NY 13083
Central Square Branch3025 East AvenueCentral Square, NY 13036
Pathfinder Commercial Bank214 West First StreetOswego, NY 13126
Cicero Branch6194 State Route 31Cicero, NY 13039
Mexcio Branch3361 Main StreetMexico, NY 13114
Oswego Plaza BranchRoute 104 EastOswego, NY 13126
Pike Block Business Office Branch109 West Fayette StreetSyracuse, NY 13202
Oswego Downtown Drive-Thru Branch34 East Bridge StreetOswego, NY 13126

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