The First National Bank of Groton

TODAY'S FEATURED RATES

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

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.35%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

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

Member FDIC

3.80%

Our Rating

4.3 / 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

3.60%

Our Rating

4.2 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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.grotonbank.com

607-898-5871

161 Main Street
Groton, NY 13073

The First National Bank of Groton is headquartered in GROTON and is the 99^th largest bank in the state of New York. It is also the 3,052^nd largest bank in the nation. It was established in 1865 and as of December of 2024, it had grown to 35 employees at 2 locations. The First National Bank of Groton has a B+ health rating.

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	7085
Year Established	1865
Employees	35
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	-0.12%
Return on Equity - YTD	-1.03%
Annual Interest Income	$8.6MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$199.4MM$201.6MM
Loans	Q4 2024vs Q4 2023	$98.9MM$94MM
Deposits	Q4 2024vs Q4 2023	$174.7MM$176.8MM
Equity Capital	Q4 2024vs Q4 2023	$23.7MM$23.8MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$1.3MM$1.5MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$1.5MM$2.1MM
Real Estate Owned	Q4 2024vs Q4 2023	$153K$107K

TODAY'S FEATURED RATES

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

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.35%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

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

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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

Skip to rates for:

Savings
Money Market
Checking
CD
IRA

Report an Issue

Always verify rates and promotions with the bank or credit union. We are not The First National Bank of Groton; 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.

The First National Bank of Groton Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$0	$20k	Kasasa Saver
OTHER TIERS: 0.10% → $20k+
0.05%	$0	-	Club Savings
0.05%	$0	-	Youth Savings
0.05%	$0	-	Basic Savings

The First National Bank of Groton Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$250k^*	-	Money Market Investment
OTHER TIERS: 0.05% → $1k - $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k \| 0.20% → $50k - $250k
0.05%	$0	-	Money Market Checking

The First National Bank of Groton Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	$0	$10k	Kasasa Cash
OTHER TIERS: 0.20% → $10k+

The First National Bank of Groton CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%	$2.5k	-	7 Month CD Special - New Money
3.35%	$2.5k	-	13 Month CD Special - New Money
1.21%	$1k	-	60 Month CD
1.16%	$1k	-	48 Month CD
1.06%	$1k	-	36 Month CD
0.95%	$1k	-	30 Month CD
0.85%	$1k	-	24 Month CD
0.75%	$10k	-	1 Year Renewable Once CD
0.75%	$1k	-	18 Month CD
0.70%	$1k	-	12 Month CD
0.65%	$500	-	1 Year Starter CD
0.55%	$1k	-	6 Month CD
0.45%	$1k	-	3 Month CD
0.35%	$1k	-	1 Month CD

The First National Bank of Groton IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.21%	$0	-	60 Month IRA
1.16%	$0	-	48 Month IRA
1.06%	$0	-	36 Month IRA
0.95%	$0	-	30 Month IRA
0.85%	$0	-	24 Month IRA
0.75%	$10k	-	1 Year Renewable Once IRA
0.75%	$0	-	18 Month IRA
0.75%	$0	-	Variable IRA
0.70%	$0	-	12 Month IRA
0.65%	$500	-	1 Year Starter IRA

Locations

The First National Bank of Groton Locations
The First National Bank Of Groton	159 Main St	Groton, NY 13073
Moravia Branch	41 South Main Street	Moravia, NY 13118

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.