|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Maspeth Federal S&L Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 6, 2026
Maspeth Federal S&L's 9-Month CD rates are at 3.80%, 9-Month CD and IRA rates are at 4.20%, Roth IRA 9-Month CD and IRA rates are at 4.20%, 18-Month CD and IRA rates are at 3.80%, 18-Month Wild Card IRA rates are at 3.80%. Maspeth Federal S&L's savings rates are at 10.00%. Maspeth Federal S&L's money market rates are at 0.50%. Maspeth Federal S&L's checking rates are as high as 0.50%. Maspeth Federal S&L's Primary Fixed-Rate Mortgage - 15 Years rates are at 6.50%, Primary Fixed-Rate Mortgage - 20 Years rates are at 6.75%, Primary Fixed-Rate Mortgage - 30 Years rates are at 7.00%. Maspeth Federal S&L's top CD rate of 4.20% APY on a 9 month CD is 44% higher than the MonitorBankRates national average of 2.92% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Maspeth Federal S&L with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.58%. Rates last updated and verified on 11/06/2026. Maspeth Federal S&L 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 Maspeth Federal S&L? Share your experience about Maspeth Federal S&L by leaving a review below, or read customer reviews before you decide to use Maspeth Federal S&L. 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. Maspeth Federal S&L CD Rates
Maspeth Federal S&L Savings Rates
Maspeth Federal S&L Business Savings Rates
Maspeth Federal S&L Money Market Rates
Maspeth Federal S&L Checking Rates
Maspeth Federal S&L Mortgage Rates
Maspeth Federal S&L Other Rates
Financial Health HistoryMaspeth Federal S&L’s Texas Ratio fell from 6.07% in Q3 2023 to 3.58% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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
Powered by
MonitorBankRates
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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Maspeth Federal S&L 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 Maspeth Federal S&L 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 Maspeth Federal S&L's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Maspeth Federal S&L
Website
https://www.maspethfederal.com
Address
5618 69th St,
Maspeth, NY 11378 · Queens
FDIC Certificate #
30303
Regulator
OCC
Established
January 1, 1947
FDIC Insurance Date
August 9, 1989
Domestic Offices
8
Total Branches
8
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.58%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.0954%
Return on Equity (ROE)
3.1600%
Non-Performing Loans Ratio (NPL)
1.09%
Total Assets
$2,211,470,000
Total Deposits
$1,402,049,000
Equity Capital
$772,269,000
Net Income
$12,121,000
Headquarters
Maspeth
Total Branches and Offices
8
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for Maspeth Federal S&L yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Maspeth Federal S&L
Frequently Asked Questions About Maspeth Federal S&LDoes Maspeth Federal S&L offer CDs?Yes. Maspeth Federal S&L current CD rates include its 9-Month CD and IRA at 4.20% APY, its Roth IRA 9-Month CD and IRA at 4.20% APY and its 9-Month CD at 3.80% APY, verified by MonitorBankRates as of November 6, 2026. Are CDs from Maspeth Federal S&L FDIC insured?Yes. Maspeth Federal S&L is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Maspeth Federal S&L?The highest Maspeth Federal S&L CD rate is its 9-Month CD and IRA at 4.20% APY, verified by MonitorBankRates as of November 6, 2026. What CD terms does Maspeth Federal S&L offer?Maspeth Federal S&L CD rates are 3.80% APY for a 9 month CD, 3.65% APY for a 12 month CD, 3.35% APY for an 18 month CD, 3.40% APY for a 2 year CD, 3.45% APY for a 3 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Maspeth Federal S&L for its full lineup. What is the highest savings rate at Maspeth Federal S&L?The highest Maspeth Federal S&L savings rate is its Business Savings at 0.50% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest money market rate at Maspeth Federal S&L?The highest Maspeth Federal S&L money market rate is its Money Market at 0.50% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest checking rate at Maspeth Federal S&L?The highest Maspeth Federal S&L checking rate is its Interest Checking at 0.50% APY, verified by MonitorBankRates as of November 6, 2026. What is the lowest 30 year fixed mortgage rate at Maspeth Federal S&L?The lowest Maspeth Federal S&L 30 year fixed mortgage rate is its Primary Fixed-Rate Mortgage - 30 Years at 7.00%, verified by MonitorBankRates as of November 6, 2026. Maspeth Federal S&L mortgage rates are 7.00% for a 30 year mortgage, 6.75% for a 20 year mortgage and 6.50% for a 15 year mortgage. How many branches does Maspeth Federal S&L operate?Maspeth Federal S&L currently maintains approximately 8 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, Maspeth Federal S&L 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, Maspeth Federal S&L provides members with tools to manage their accounts and build a solid financial history. Does Maspeth Federal S&L offer online and mobile banking?Most modern institutions like Maspeth Federal S&L 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.maspethfederal.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Maspeth Federal S&L rates compare?Maspeth Federal S&L's top CD rate of 4.20% APY on a 9 month CD is 44% higher than the MonitorBankRates national average of 2.92% APY for that term, and it has an A+ health rating. Maspeth Federal S&L's top rates are its 9-Month CD and IRA at 4.20% APY, its Youth Savings at 10.00% APY, its Money Market at 0.50% APY, its Interest Checking at 0.50% APY and its Primary Fixed-Rate Mortgage - 15 Years at 6.50%, verified by MonitorBankRates on November 6, 2026. Current Maspeth Federal S&L Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
Falcon National Bank
Ciera Bank
Texas Regional Bank
Century Next Bank
Hanover Community Bank
FNB of Blanchester
Madison County Bank
FNC Bank Richmond, WI
PNB Community Bank
Bank of Greeleyville
Versailles S&L Co.
Goppert Financial Bank
Hslc
Citizens National Bank of Texas
Dime Bank
Northwestern Bank, N.A.
Hustisford State Bank
CBL State Savings Bank
Charles Schwab
Solon State Bank
First National Bank of Steeleville
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
