The Canandaigua National Bank and Trust Company

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

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

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

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.cnbank.com

585-394-4260

72 South Main Street
Canandaigua, NY 14424

The Canandaigua National Bank and Trust Company is headquartered in CANANDAIGUA and is the 23^rd largest bank in the state of New York. It is also the 279^th largest bank in the nation. It was established in 1887 and as of March of 2025, it had grown to 615 employees at 26 locations. The Canandaigua National Bank and Trust Company has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	6985
Year Established	1887
Employees	615
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.13%
Return on Equity - YTD	13.94%
Annual Interest Income	$63.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$5.15B$4.94B
Loans	Q1 2025vs Q1 2024	$3.76B$3.67B
Deposits	Q1 2025vs Q1 2024	$4.16B$3.73B
Equity Capital	Q1 2025vs Q1 2024	$414.9MM$376.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$37.1MM$36.4MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$39MM$28.8MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$366K

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

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

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

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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CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Canandaigua National Bank and Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$500k^*	$100k	Optimum Money Market Account
OTHER TIERS: 0.05% → $2.5k - $50k \| 0.25% → $50k - $100k \| 0.50% → $100k - $500k

The Canandaigua National Bank and Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%	$10k	-	11 Month CD Special - New Money
4.00%	$500	-	7 Month CD Special With Optimum Checking Account
4.00%	$500	-	13 Month CD Special With Optimum Checking Account
3.90%	$500	-	7 Month CD Special With Other/No Checking Account
3.90%	$500	-	13 Month CD Special With Other/No Checking Account
3.00%	$500	-	1 Month CD Special With Other/No Checking Account

Locations

Availability

Rochester Area

Rochester Area bank & credit union details

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