Massena Savings and Loan CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 1.26%, 6-month CD rates at 5.30% and 3-month CD rates at 1.36%. Current savings rates are at 0.30% and money market rates are at 0.05%. Mortgage rates today on 30-year fixed loans are around 6.69%. Credit Card rates are at 9.99%. Personal Loan rates are at 7.00%. All these rates, and more, can be found in our database of rates. Massena Savings and Loan's 36-Month CD rates are at 4.90%, 24-Month CD rates are at 4.64%, 12-Month CD rates are at 4.12%, 60-Month CD rates are at 3.86%, 48-Month CD rates are at 3.86%. Massena Savings and Loan's savings rates are at 0.10%. Massena Savings and Loan's money market rates are at 0.50%.

Massena Savings and Loan

To see how these rates compare to Massena Savings and Loan CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Massena Savings and Loan, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Massena Savings and Loan CD rates. You can also compare Massena Savings and Loan savings rates, MMA rates and mortgage rates using our other rate lists.

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 Texas Ratio

Massena Savings and Loan's Texas Ratio is at 6.81%, which is considered excellent. The Texas Ratio for Massena Savings and Loan is higher than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Massena Savings and Loan is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
4.12%
18-Month CD
N/A
24-Month CD
4.64%
36-Month CD
4.90%
48-Month CD
3.86%
60-Month CD
3.86%
Savings
0.10%
MMA
0.50%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Massena Savings and Loan
255 Main St
Massena, NY 13662
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Massena Savings and Loan CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Massena Savings and Loan
Massena Savings and Loan
36-Month CD
4.90%
$1,000
Massena Savings and Loan
Massena Savings and Loan
24-Month CD
4.64%
$1,000
Massena Savings and Loan
Massena Savings and Loan
12-Month CD
4.12%
$1,000
Massena Savings and Loan
Massena Savings and Loan
60-Month CD
3.86%
$100
Massena Savings and Loan
Massena Savings and Loan
48-Month CD
3.86%
$1,000
Massena Savings and Loan
Massena Savings and Loan
Money Market
0.50%
$2,500
Massena Savings and Loan
Massena Savings and Loan
Savings Account
0.10%
$1
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Massena Savings and Loan Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
First National B&T Co. of Bottineau
First National B&T Co. of Bottineau
6-Month CD
5.01%
$500
First National Bank of America (FNBA)
First National Bank of America (FNBA)
24-Month CD
4.80%
$1,000
Mid America Bank
Mid America Bank
9-Month CD Special
4.75%
$10,000
Minster Bank
Minster Bank
8-Month Jumbo CD
4.69%
$100,000
Interstate Bank
Interstate Bank
12-Month Jumbo CD
4.68%
$100,000
Bank
Bank
36-Month CD IntraFi
4.41%
$100,000
Home Loan Investment Bank
Home Loan Investment Bank
36-Month CD
4.25%
$1,000
Primary Bank
Primary Bank
12-Month CD
4.25%
$1,000
Acme Continental Credit Union
Acme Continental Credit Union
18-Month CD share certificate
4.08%
$1,000
Communitywide Federal Credit Union
Communitywide Federal Credit Union
60-Month CD
4.00%
$1,000
Integrity Bank & Trust
Integrity Bank & Trust
18-Month CD
3.80%
$500
Marthas Vineyard Bank
Marthas Vineyard Bank
12-Month CD
3.56%
$1,000
OneLocal Bank
OneLocal Bank
17-Month CD special
3.50%
$1,000
Wayne Bank and Trust Co.
Wayne Bank and Trust Co.
48-Month CD
3.48%
$1,000
University Federal Credit Union
University Federal Credit Union
60-Month CD
3.25%
$1,000
Heartland State Bank Edgeley, ND
Heartland State Bank Edgeley, ND
24-Month CD
3.25%
$10,000
Axiom Bank
Axiom Bank
Select Money Market
3.25%
$1,000
Kennett Trust Bank
Kennett Trust Bank
48-Month CD
3.04%
$500
New Market Bank
New Market Bank
6-Month CD
3.02%
$500
M.Y. Safra Bank
M.Y. Safra Bank
60-Month CD
3.00%
$500
Lee Bank
Lee Bank
Kasasa Cash Checking
3.00%
$25
Mercer County State Bank
36-Month CD IRA
3.00%
$50
Teachers Federal Credit Union
Teachers Federal Credit Union
18-Month CD (Certificate)
2.75%
$1,000
First Nebraska Bank
First Nebraska Bank
18-Month CD
2.50%
$500
American Commerce Bank, N.A.
American Commerce Bank, N.A.
12-Month CD
2.50%
$500
GCSB Swayzee, IN
GCSB Swayzee, IN
18-Month CD
2.47%
$1,000
The FNB Community Bank
The FNB Community Bank
18-Month CD
2.27%
$1,000
5 Star Community Credit Union
5 Star Community Credit Union
12-Month CD certificate
2.25%
$500
Central State Bank Clayton, IL
Central State Bank Clayton, IL
60-Month CD
2.17%
$1,000
Walden Savings Bank
Walden Savings Bank
24-Month CD
2.00%
$1,000
Hilltop National Bank
Hilltop National Bank
30-Month CD
1.76%
$1,000
Itasca Bank & Trust Co.
Itasca Bank & Trust Co.
12-Month Jumbo CD
1.55%
$100,000
First State Bank of Campbell Hill
First State Bank of Campbell Hill
18-Month CD
1.10%
$500
Farmers and Merchants Bank Milford, NE
Farmers and Merchants Bank Milford, NE
18-Month CD
1.10%
$1,500
First United Bank Dimmitt, TX
First United Bank Dimmitt, TX
Foundation Savings
0.90%
$100
Woodsville Guaranty Savings Bank
Woodsville Guaranty Savings Bank
60-Month CD
0.80%
$1,000
Auburn Savings Bank
Auburn Savings Bank
36-Month CD
0.55%
$1,000
Community Bank of Trenton
Community Bank of Trenton
36-Month CD
0.50%
$5,000
Fulton Savings Bank
Fulton Savings Bank
48-Month CD
0.50%
$500
PyraMax Bank
PyraMax Bank
48-Month CD
0.50%
$1,000
Ulster Savings Bank
Ulster Savings Bank
60-Month CD
0.50%
$500
First Federal S&L of Lorain
First Federal S&L of Lorain
18-Month CD
0.15%
$250
Chelsea Groton Bank
Chelsea Groton Bank
12-Month CD
0.10%
$500
Millville Savings Bank
Millville Savings Bank
Savings Account
0.10%
$1,000
The Valley State Bank
The Valley State Bank
3-Month CD
0.10%
$500
Fairfield Federal S&L of Lancaster
Fairfield Federal S&L of Lancaster
3-Month CD
0.10%
$500
Crystal Lake Bank and Trust Co., N.A
Crystal Lake Bank and Trust Co., N.A
Money Market
0.10%
$0
A & S Federal Credit Union
A & S Federal Credit Union
Savings Rates
0.10%
$5,000
Wheaton Bank & Trust
Wheaton Bank & Trust
Money Market
0.05%
$100,000
FNB of Scotia
FNB of Scotia
6-Month CD
0.04%
$2,500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates April 14, 2024

Lender
Product
Rate
APR
Points
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.000%
5.363%
2.000
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.750%
5.834%
0.000
People\'s Alliance Federal Credit Union
People\'s Alliance Federal Credit Union
10 Year Fixed
0.000%
5.875%
1.000
15-Year Fixed
5.625%
5.877%
0.975
5.750%
5.883%
0.500
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
5.875%
5.913%
0.000
15 Year Fixed
5.625%
5.923%
1.000
15-Year Fixed
5.875%
5.925%
0.000
5.750%
5.946%
0.250
5.875%
5.958%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Massena Savings and Loan Information

Massena Savings and Loan
255 Main St
Massena, NY 13662
St. Lawrence
Established Date: 01/01/1924
FDIC Certificate #: 30429
Date of FDIC Deposit Insurance: 10/14/1949
How Many Domestic U.S. Offices? 2
How Many Branches are There? 2
Is Massena Savings and Loan FDIC Insured? Yes
What is Massena Savings and Loan's Cert number? 30429
What is the maximum amount for insured deposits? $250,000 per holder, per account

Massena Savings and Loan Financials

Total Assets:
$176,948,000
Total Deposits:
$128,169,000
Equity Capital:
$25,458,000
Domestic Deposits:
$128,169,000
Net Income:
$320,000
Return on Assets:
0.6630%
Quarterly Return on Assets:
0.7300%
Pretax Return on Assets:
0.9140%
Pretax Quarterly Return on Assets:
0.9100%
Return on Equity:
4.7200%
Quarterly Return on Equity:
5.0600%
Common Equity Tier 1 Capital Ratio:
22.0437%
Tier 1 Risk-Based Capital Ratio:
22.0437%
Leverage Tier 1 (Core Capital) Ratio:
14.4793%
Total Risk-Based Capital Ratio (YTD):
23.1969%
Total Interest Income (YTD):
4.3697%
 
 
Headquarters:
Massena
FDIC Field Office:
Syracuse
Regulator:
OCC
County:
St. Lawrence
# of Offices:
2
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC

Explore Other Rate Deals

The average rate on credit cards hasn't moved much since last week . The lowest credit card rates by category are on our rates lists is on our Low Introductory Rate Cards. The current average on that category is 0.689 percent, unchanged from last week's average.
Hanmi Bank CD RatesHanmi Bank CD rates on the bank's Diamond Freedom certificates of deposit are competitive and have an interesting feature. Current Diamond Freedom CD rates at Hanmi Bank for CD accounts with terms of 12 and 24 months are at 0.85 percent for balances of $100,000 or less. CD rates at Hanmi Bank for account balances from $100,000 to $250,000 are slightly higher at 0.90 0.95% percent. The interesting feature about the Diamond Freedom CD account is you can make up to six withdrawals totaling 50% of the balance without incurring a penalty. To find the best CD rates available today, compare other bank's CD rates to Hanmi Bank CD rates.
Another bank has increased their CD rates this month and now is tied for the best 1 year rate available. EverBank has increased their 1 year bank CD rates to 1.09 percent with an APY of 1.10 percent. EverBank joins GE Captial Retail Bank with the top 1 year rate available in our database. EverBank also increased their rates on other certificates of deposit they are offering.

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Massena Savings and Loan Reviews

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