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Cayuga Lake National Bank

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Cayuga Lake National Bank Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cayuga Lake National Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Cayuga Lake National Bank 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 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Cayuga Lake National Bank, and you can see how they compare in the Cayuga Lake National Bank rate tables below. MonitorBankRates evaluates the financial stability of Cayuga Lake National Bank with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 19.83%. Database rates last updated and verified on 09/23/2026.

Cayuga Lake National Bank 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 Cayuga Lake National Bank? Share your experience about Cayuga Lake National Bank by leaving a review below, or read customer reviews before you decide to use Cayuga Lake National Bank.

Overall Health & Safety Grade

Solid Health Score: 86/100

MonitorBankRates Rating

4.6

Excellent Out of 5.0 Stars

Texas Ratio

19.83%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Cayuga Lake National Bank

165 Cayuga St
Union Springs, NY 13160

https://www.cayugalakenationalbank.com

Cayuga Lake National Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Home Equity HELOC	3.95%	-	7.00%
Details Introductory Fixed Rate 3.95% APR for the first 6 months. As Low As 7.00% APR Variable Rate Thereafter. First or second lien, 1-4 family, owner-occupied, primary residence properties only. 3.95% APR is a promotional rate good for only 6 months after the closing date. After the first 6 months, this APR is a variable rate with a minimum 3.00% APR to maximum 16.00% APR. Actual will depend on borrower's credit qualifications, term of the loan, and loan-to-value amount. Property and, if applicable, flood insurance are required. Consult a tax advisor regarding the deductibility of interest. Programs, rates, and terms are subject to change or cancellation without notice. Last Updated 09/19/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.83%

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

Cayuga Lake National Bank’s Texas Ratio rose from 4.16% in Q3 2023 to 19.83% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 3.8 to 4.6. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$274M	19.83%	4.6	B
March 31, 2026	$281M	20.69%	4.5	B
December 31, 2025	$288M	18.30%	4.7	B+
September 30, 2025	$274M	18.34%	4.7	B+
June 30, 2025	$276M	14.01%	5.0	A-
March 31, 2025	$281M	13.30%	5.0	A
December 31, 2024	$282M	28.11%	3.8	C
September 30, 2024	$285M	13.25%	5.0	A
June 30, 2024	$285M	15.27%	4.6	B+
March 31, 2024	$282M	1.79%	4.5	A
December 31, 2023	$290M	2.07%	4.6	A
September 30, 2023	$272M	4.16%	3.8	B

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 Cayuga Lake National Bank 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 Cayuga Lake National Bank 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 Cayuga Lake National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Cayuga Lake National Bank

Bank Holding Company CAYUGA LAKE BANK CORP

Address 165 Cayuga St, Union Springs, NY 13160 · Cayuga

Website https://www.cayugalakenationalbank.com

FDIC Certificate # 6954

Established 18640101

FDIC Insurance Date 19340101

Domestic Offices 3

Total Branches 3

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 86/100

4.6

Excellent Out of 5.0 Stars

19.83%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5961%

Return on Equity (ROE) 7.8800%

Non-Performing Loans (NPL) 1.57%

Total Assets $273,740,000

Total Deposits $249,068,000

Equity Capital $21,699,000

Net Income $837,000

Headquarters Union Springs

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Cayuga Lake National Bank

How many branches does Cayuga Lake National Bank operate?

Cayuga Lake National Bank currently maintains approximately 3 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, Cayuga Lake National Bank 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, Cayuga Lake National Bank provides members with tools to manage their accounts and build a solid financial history.

Does Cayuga Lake National Bank offer online and mobile banking?

Most modern institutions like Cayuga Lake National Bank 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.cayugalakenationalbank.com.