☰

Home›
Banks›
Carthage Savings and Loan

iAdvertiser Disclosure

Carthage Savings and Loan Rates & Review August 2026

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Carthage Savings and Loan rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Carthage Savings and Loan, and you can see how they compare in the Carthage Savings and Loan rate tables below. 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%. Database rates last updated and verified on 08/30/2026.

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.

Exceptional Health Use This Badge on Your Bank Website

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, National Association

313 State St
Carthage, NY 13619

https://www.carthagesavings.com

Current Rate Availability

We're not currently displaying rates for Carthage Savings and Loan, but our database is updated constantly — check back soon for the latest offers.

Are you with Carthage Savings and Loan? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

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 Branches and Offices 4

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Carthage Savings and Loan earned the Exceptional Health badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/cathage-savings-and-loan-rates-review-28942">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-a-2026.svg"
       alt="MonitorBankRates Exceptional Health Badge 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?

Log in to reply Are you from Carthage Savings and Loan and want to reply to a review? Log in or register and verify yourself to reply as a representative from Carthage Savings and Loan.

Want to discuss Carthage Savings and Loan with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★★★☆☆

Total Reviews

Add Your Rating and Review for Carthage Savings and Loan

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.