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Seneca Federal Savings and Loan Association

Popular Accounts at this Bank

2.00%Reward CheckingKasasa Cash
1.00%Reward SavingsKasasa Saver
1.71%5-year CD60 Month CD

Overview / Commentary
35 Oswego St
Baldwinsville, NY 13027

Seneca Federal Savings and Loan Association is headquartered in Baldwinsville and is the 124th largest bank in the state of New York. It is also the 3,506th largest bank in the nation. It was established in 1928 and as of September of 2016, it had grown to 39 employees at 3 locations. Seneca Federal Savings and Loan Association's money market rates are 70% higher than the national average, and it has a B health rating.

Reviews (1)

Doing Business With A Very Dependable Bank.

Posted by: toddvann | Mar 9, 2012

Seneca Federal Savings and Loan is a great bank to do business with on a personal level and a business level.  One of the best things you get when you bank with Seneca Federal is a bank that will listen and a willingness to understand your business needs. I have used Seneca Federal for over 20 years on both the personal side and the business side.  They have been there and listened to my needs as I started to expand my business the last 4 years. Seneca Federal has given me and my company great support over the last 20 years.  Their employees have always been very courteous and kind.

I would like to thank Chris DeMong and Bill Gould for all of their hard work over the years( they both retired within the past two years).  I would also like to thank the following for keeping things moving forward and keeping the same feeling and atomosphere: Trina Russo, Janice MacDonald,and Wendy Bodnar.  In addition thanks to all of their employees that put everything into the jobs.

Thank you

Todd M. Vann


WMF Photography



Health Grade Components

FDIC Certificate #29496
Year Established1928
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.33%
Return on Equity - YTD4.16%
Annual Interest Income$4.3MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$154.4MM$135.8MM
LoansQ3 2016vs Q3 2015$124.4MM$100.6MM
DepositsQ3 2016vs Q3 2015$117.9MM$103.6MM
Equity CapitalQ3 2016vs Q3 2015$11.8MM$12.0MM
Loan Loss AllowanceQ3 2016vs Q3 2015$1.3MM$1.2MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$1.5MM$1.8MM
Real Estate OwnedQ3 2016vs Q3 2015$289.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Seneca Federal Savings and Loan Association Savings Account Rates

1.00%*-$15kKasasa Saver
OTHER TIERS: 0.50% $15k+
0.05%$50-Passbook Savings
0.05%$50-Holiday Club
0.05%$50-Statement Savings

Seneca Federal Savings and Loan Association Money Market Rates

0.75%*$150k*$2,500kMoney Market
OTHER TIERS: 0.10% Up to $2,500 | 0.15% $2,500 - $25k | 0.20% $5mm+ | 0.25% $25k - $75k | 0.50% $75k - $5mm

Seneca Federal Savings and Loan Association Checking Account Rates

2.00%*-$15kKasasa Cash
OTHER TIERS: 0.40% $15k+

Seneca Federal Savings and Loan Association CD Rates

1.71%$500-60 Month CD
1.60%$500-48 Month CD
1.31%$500-36 Month CD
1.26%*$100k*-24 Month CD
OTHER TIERS: 1.20% $500 - $100k
1.06%*$100k*-12 Month CD
OTHER TIERS: 0.75% $500 - $100k
0.85%*$100k*-6 Month CD
OTHER TIERS: 0.45% $500 - $100k

Seneca Federal Savings and Loan Association Locations
201 N Main Street Branch201 N Main StreetNorth Syracuse, NY 13212
Seneca Federal Savings and Loan Association35 Oswego StBaldwinsville, NY 13027
Oswego Road Branch7799 Oswego RoadLiverpool, NY 13090