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Advertiser Disclosure
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 Massena Savings and Loan 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 5, 2026
Massena Savings and Loan's Fixed Rate CD - 36-Month CD rates are at 4.90%, Fixed Rate CD - 60-Month CD rates are at 4.64%, Fixed Rate CD - 48-Month CD rates are at 4.38%, Fixed Rate CD - 24-Month CD rates are at 3.86%, Fixed Rate CD - 12-Month CD rates are at 3.60%. Massena Savings and Loan's savings rates are at 0.51%. Massena Savings and Loan's Conventional Real Estate Mortgage - 3 Year ARM rates are at 6.75%, Conventional Real Estate Mortgage - 5 Year ARM rates are at 6.75%, Conventional Real Estate Mortgage - Fixed Rate rates are at 6.80%. Massena Savings and Loan's Auto Loan Rates are as low as 5.75%. Massena Savings and Loan's top CD rate of 4.90% APY on a 3 year CD is 72% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A health rating. 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 9.00%. Rates last updated and verified on 11/05/2026. 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. 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. Massena Savings and Loan CD Rates
Massena Savings and Loan Savings Rates
Massena Savings and Loan Money Market Rates
Massena Savings and Loan Mortgage Rates
Massena Savings and Loan Auto Loan Rates
Massena Savings and Loan Other Rates
Financial Health HistoryMassena Savings and Loan’s Texas Ratio fell from 10.52% in Q3 2023 to 9.00% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)
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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 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
Bank Name
Massena Savings and Loan
Address
255 Main St,
Massena, NY 13662 · St. Lawrence
FDIC Certificate #
30429
Regulator
OCC
Established
January 1, 1924
FDIC Insurance Date
August 9, 1989
Domestic Offices
2
Total Branches
2
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
9.00%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.0853%
Return on Equity (ROE)
7.2900%
Non-Performing Loans Ratio (NPL)
1.18%
Total Assets
$199,862,000
Total Deposits
$148,165,000
Equity Capital
$30,357,000
Net Income
$1,086,000
Headquarters
Massena
Total Branches and Offices
2
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for Massena Savings and Loan
Frequently Asked Questions About Massena Savings and LoanDoes Massena Savings and Loan offer CDs?Yes. Massena Savings and Loan current CD rates include its Fixed Rate CD - 36-Month CD at 4.90% APY, its Fixed Rate CD - 60-Month CD at 4.64% APY and its Fixed Rate CD - 48-Month CD at 4.38% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from Massena Savings and Loan FDIC insured?Yes. Massena Savings and Loan 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 Massena Savings and Loan?The highest Massena Savings and Loan CD rate is its Fixed Rate Certificates - 36-Month CD at 4.90% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does Massena Savings and Loan offer?Massena Savings and Loan CD rates are 3.60% APY for a 12 month CD, 3.86% APY for a 2 year CD, 4.90% APY for a 3 year CD, 4.38% APY for a 4 year CD and 4.64% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Massena Savings and Loan for its full lineup. What is the highest savings rate at Massena Savings and Loan?The highest Massena Savings and Loan savings rate is its Traditional/Roth IRA Savings at 0.51% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest money market rate at Massena Savings and Loan?The highest Massena Savings and Loan money market rate is its Money Market Savings Account at 0.51% APY, verified by MonitorBankRates as of November 5, 2026. What is the lowest mortgage rate at Massena Savings and Loan?The lowest Massena Savings and Loan mortgage rate is its Conventional Real Estate Mortgage - 3 Year ARM at 6.75%, verified by MonitorBankRates as of November 5, 2026. Massena Savings and Loan mortgage rates are 6.75% for a 5 year mortgage and 6.75% for a 3 year mortgage. What is the lowest auto loan rate at Massena Savings and Loan?The lowest Massena Savings and Loan auto loan rate is its Auto - New at 5.75%, verified by MonitorBankRates as of November 5, 2026. 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. 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 Massena Savings and Loan rates compare?Massena Savings and Loan's top CD rate of 4.90% APY on a 3 year CD is 72% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A health rating. Massena Savings and Loan's top rates are its 36-Months Fixed Rate Certificates - 36-Month CD at 4.90% APY, its Money Market Savings Account at 0.51% APY, its Conventional Real Estate Mortgage - 3 Year ARM at 6.75% and its Auto - New at 5.75% APR, verified by MonitorBankRates on November 5, 2026. Current Massena Savings and Loan Rates
Retrieved from our database of financial products. Rates subject to change.
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