What are the current interest rates at Carthage Savings and Loan?

Current rates for Carthage Savings and Loan include: 12-Month CD: 3.04%, 18-Month CD: 0.97%, 24-Month CD: 0.97%, 36-Month CD: 1.22%, 48-Month CD: 0.97%, 60-Month CD: 0.97%, Savings: 0.10%

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Carthage Savings and Loan Rates & Review October 2026

Item: Carthage Savings and Loan
Rating: 3
Author: skyline83

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Carthage Savings and Loan's top rates as of October 14, 2026 are 3.04% APY on its 12-Month Certificate of Deposit, 0.10% APY on savings, 0.10% APY on checking, and auto loans from 7.00% APR, according to rates verified by MonitorBankRates. Other Carthage Savings and Loan CD rates include 6-Month (N/A IRA) 6-Month Certificate of Deposit at 2.83%, 15-Month Certificate of Deposit at 2.31%, and 59-Month Certificate of Deposit at 1.89%. MonitorBankRates evaluates the financial stability of Carthage Savings and Loan with a 4.9 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.46%. Rates last updated and verified on 10/14/2026.

Carthage Savings and Loan money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Carthage Savings and Loan? Share your experience about Carthage Savings and Loan by leaving a review below, or read customer reviews before you decide to use Carthage Savings and Loan.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

1.46%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Carthage Savings and Loan, National Association

313 State St
Carthage, NY 13619

https://www.carthagesavings.com

Customer Reviews

3.0 ★ 1 review

Write a Review

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Carthage Savings and Loan CD Rates

Product	Rate	APY	Term
12 Month Certificate of Deposit	2.95%	3.04%	12 month
Min Deposit $500 Min Balance $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 3.04% APY · checked 3 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
6 Month Certificate of Deposit	2.75%	2.83%	6 month (N/A IRA)
Min Deposit $2,500 Min Balance $2,500 Details Not available for IRA Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.83% APY · checked 3 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
15 Month Certificate of Deposit	2.25%	2.31%	15 month
Min Deposit $500 Min Balance $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.31% APY · checked 3 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
59 Month Certificate of Deposit	1.85%	1.89%	59 month
Min Deposit $500 Min Balance $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.89% APY · checked 3 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
31 Month Certificate of Deposit	1.50%	1.53%	31 month
Min Deposit $500 Min Balance $500 Details Term: 31 month (One Time Rate Change Option); One Time Rate Change Option Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.53% APY · checked 3 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
30 Month Certificate of Deposit	1.25%	1.28%	30 month
Min Deposit $500 Min Balance $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.28% APY · checked 3 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
36 Month Certificate of Deposit	1.20%	1.22%	36 month
Min Deposit $500 Min Balance $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.22% APY · checked 3 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
18 Month Certificate of Deposit	0.95%	0.97%	18 month
Min Deposit $500 Min Balance $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.97% APY · checked 3 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
24 Month Certificate of Deposit	0.95%	0.97%	24 month
Min Deposit $500 Min Balance $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.97% APY · checked 3 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
48 Month Certificate of Deposit	0.95%	0.97%	48 month
Min Deposit $500 Min Balance $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.97% APY · checked 3 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
60 Month Certificate of Deposit	0.95%	0.97%	60 month
Min Deposit $500 Min Balance $500 Details Term: 60 month (One Time Rate Change Option); One Time Rate Change Option Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.97% APY · checked 3 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%

Carthage Savings and Loan Savings Rates

Product	Rate	APY	View More
Statement Savings	0.10%	0.10%
Min Deposit $10 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 0.10% APY · checked 8 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%

Carthage Savings and Loan Checking Rates

Product	Rate	APY
High Interest Checking With Rewards	0.10%	0.10%
Min Deposit $25 Min Balance $2,500 Details Balance: $2,500.00-$25,000 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 0.10% APY · checked 2 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
High Interest Checking With Rewards	0.10%	0.10%
Min Deposit $25 Min Balance $25,001 Details Balance: Above $25,001 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 0.10% APY · checked 2 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
50+ Free Interest Checking With Rewards	0.01%	0.01%
Min Deposit $25 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 0.01% APY · checked 4 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
VIP Free Interest Checking With Rewards	0.01%	0.01%
Min Deposit $25 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 0.01% APY · checked 4 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%

Carthage Savings and Loan Auto Loan Rates

Product	Rate	Points	APR	Term
Auto/Truck Loans	7.00%	-	7.00%	72 Months
Details Credit Score: 740 Plus; Model Year: 2026-2025; Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.00% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
Auto/Truck Loans	7.00%	-	7.00%	66 Months
Details Credit Score: 740 Plus; Model Year: 2024-2023; Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.00% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
Auto/Truck Loans	7.00%	-	7.00%	48 Months
Details Credit Score: 740 Plus; Model Year: 2022-2019; Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.00% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
Auto/Truck Loans	9.00%	-	9.00%	72 Months
Details Credit Score: 700-739; Model Year: 2026-2025; Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.00% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
Auto/Truck Loans	9.00%	-	9.00%	66 Months
Details Credit Score: 700-739; Model Year: 2024-2023; Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.00% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
Auto/Truck Loans	9.00%	-	9.00%	48 Months
Details Credit Score: 700-739; Model Year: 2022-2019; Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.00% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
Auto/Truck Loans	11.00%	-	11.00%	48 Months
Details Credit Score: 700-739; Model Year: 2018 & Older; Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 11.00% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
Auto/Truck Loans	13.50%	-	13.50%	72 Months
Details Credit Score: 699 or Less; Model Year: 2026-2025; Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 13.50% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
Auto/Truck Loans	13.50%	-	13.50%	66 Months
Details Credit Score: 699 or Less; Model Year: 2024-2023; Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 13.50% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
Auto/Truck Loans	13.50%	-	13.50%	48 Months
Details Credit Score: 699 or Less; Model Year: 2022-2019; Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 13.50% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%
Auto/Truck Loans	14.00%	-	14.00%	48 Months
Details Credit Score: 699 or Less; Model Year: 2018 & Older; Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 14.00% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 1.46%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Carthage Savings and Loan’s Texas Ratio rose from 0.47% in Q3 2023 to 1.46% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$312M	1.46%	5.0	A+
March 31, 2026	$308M	0.78%	5.0	A+
December 31, 2025	$304M	0.29%	5.0	A+
September 30, 2025	$306M	0.35%	5.0	A+
June 30, 2025	$307M	0.53%	5.0	A+
March 31, 2025	$308M	0.38%	5.0	A+
December 31, 2024	$299M	0.91%	5.0	A+
September 30, 2024	$300M	0.70%	5.0	A+
June 30, 2024	$301M	0.02%	5.0	A+
March 31, 2024	$299M	0.30%	5.0	A+
December 31, 2023	$301M	0.46%	5.0	A+
September 30, 2023	$297M	0.47%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Carthage Savings and Loan is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Carthage Savings and Loan rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Carthage Savings and Loan's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Carthage Savings and Loan

Bank Holding Company RIVERBANK FINANCIAL CORP MHC

Address 313 State St, Carthage, NY 13619 · Jefferson

Website https://www.carthagesavings.com

FDIC Certificate # 28942

Established 18880101

FDIC Insurance Date 19890809

Domestic Offices 4

Total Branches 4

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

4.9

Exceptional Out of 5.0 Stars

1.46%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9613%

Return on Equity (ROE) 6.3900%

Non-Performing Loans (NPL) 0.24%

Total Assets $312,073,000

Total Deposits $257,367,000

Equity Capital $47,175,000

Net Income $1,481,000

Headquarters Carthage

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Carthage Savings and Loan earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/cathage-savings-and-loan-rates-review-28942">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

skyline83

★★★☆☆

October 22, 2023

does anyone know what financial products does Cathay Bank offer to individual and business customers?

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Average Rating

★★★☆☆

Total Reviews

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Frequently Asked Questions About Carthage Savings and Loan

How many branches does Carthage Savings and Loan operate?

Carthage Savings and Loan currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Carthage Savings and Loan does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Carthage Savings and Loan provides members with tools to manage their accounts and build a solid financial history.

Does Carthage Savings and Loan offer online and mobile banking?

Most modern institutions like Carthage Savings and Loan provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.carthagesavings.com.