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Carthage Savings and Loan Rates & Review April 2026

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 25, 2026

You can compare Carthage Savings and Loan rates to other rates in our database, including 12-month CD rates currently at 2.63%, 6-month CD rates at 1.78% and 3-month CD rates at 2.78%. Savings rates are at 0.65% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 5.98%. All these rates can be compared to Carthage Savings and Loan rates. MonitorBankRates evaluates the financial stability of Carthage Savings and Loan with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.87%. Rates were last updated on 04/25/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.87%

Excellent Lower than avg

Carthage Savings and Loan

313 State St
Carthage, NY 13619

https://www.carthagesavings.com

Current Rate Availability

We do not have Carthage Savings and Loan rates right now, but we are constantly updating our database so check back often for updated rates.

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 01/01/1888

FDIC Insurance Date 08/09/1989

Domestic Offices 4

Total Branches 4

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.87%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3254%

Return on Equity (ROE) 2.5700%

Non-Performing Loans (NPL) 0.10%

Total Assets $304,264,000

Total Deposits $251,174,000

Equity Capital $45,615,000

Net Income $1,537,000

Headquarters Carthage

Total Offices 4

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

skyline83

★★★☆☆

October 22, 2023

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

Average Rating

★★★☆☆

Total Reviews

Add Your Rating and Review for Carthage Savings and Loan

Frequently Asked Questions About Carthage Savings and Loan

Is Carthage Savings and Loan a safe place to deposit money?

Yes, Carthage Savings and Loan is considered a safe financial institution. With a Texas Ratio of 0.86601477166337%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

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.