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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.
 Massena Savings and Loan Rates & Review April 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: April 24, 2026
Massena Savings and Loan's 12-Month CD rates are at 3.49%, 24-Month CD rates are at 3.23%, 60-Month CD rates are at 3.23%, 36-Month CD rates are at 3.18%, 48-Month CD rates are at 3.08%. Massena Savings and Loan's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of Massena Savings and Loan with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.52%. Rates were last updated on 04/24/2026. Massena 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 Massena Savings and Loan? Share your experience about Massena Savings and Loan by leaving a review below, or read customer reviews before you decide to use Massena Savings and Loan. 
Massena Savings and Loan CD Rates
Massena Savings and Loan Savings Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Massena 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 Massena 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 Massena Savings and Loan's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Massena Savings and Loan
FDIC Certificate #
30429
Address
255 Main St,
Massena, NY 13662 · St. Lawrence
Established
01/01/1924
FDIC Insurance Date
08/09/1989
Domestic Offices
2
Total Branches
2
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 95/100
5.0
Exceptional
Out of 5.0 Stars
10.52%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.7187%
Return on Equity (ROE)
4.9400%
Non-Performing Loans (NPL)
1.30%
Total Assets
$199,928,000
Total Deposits
$147,331,000
Equity Capital
$29,271,000
Net Income
$1,656,000
Headquarters
Massena
Total Offices
2
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Massena Savings and LoanIs Massena Savings and Loan a safe place to deposit money?Yes, Massena Savings and Loan is considered a safe financial institution. With a Texas Ratio of 10.522079116835%, 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 Massena Savings and Loan operate?Massena Savings and Loan currently maintains approximately 2 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, Massena 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, Massena Savings and Loan provides members with tools to manage their accounts and build a solid financial history. Does Massena Savings and Loan offer online and mobile banking?Most modern institutions like Massena 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.massenasavingsloan.com. Current Massena Savings and Loan Rates
Retrieved from our database of financial products. Rates subject to change.
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