What are the current interest rates at Pathfinder Bank?

Current rates for Pathfinder Bank include: 12-Month CD: 0.80%, 18-Month CD: 3.55%, 24-Month CD: 0.95%, 36-Month CD: 1.05%, 48-Month CD: 1.10%, Savings: 0.10%, MMA: 0.20%

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Pathfinder Bank Rates & Review September 2026

Q: How many branches does Pathfinder Bank operate?

Pathfinder Bank currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Pathfinder 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pathfinder 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 18, 2026

Pathfinder Bank's 18-Months 18-Month CD Special with Active Account rates are at 4.15%, 18-Months 18-Month CD Special with Active Account rates are at 4.15%, 18-Months 18-Month CD Special with Active Account rates are at 4.05%, 12-Months 12-Month CD Special with Active Account rates are at 3.85%, 12-Months 12-Month CD Special with Active Account rates are at 3.85%. Pathfinder Bank's savings rates are at 0.10%. Pathfinder Bank's money market rates are at 0.20%. Pathfinder Bank's Credit Card Rates are at 19.99%. MonitorBankRates evaluates the financial stability of Pathfinder Bank with a 3.6 Star Rating, an C- Overall Health Grade, and a Texas Ratio of 31.47%. Rates last updated and verified on 09/18/2026.

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

Overall Health & Safety Grade

C-

Below Average Health Score: 71/100

MonitorBankRates Rating

3.6

Very Good Out of 5.0 Stars

Texas Ratio

31.47%

Fair Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Pathfinder Bank

214 W 1st St
Oswego, NY 13126

https://www.pathfinderbank.com

Pathfinder Bank CD Rates

Product	Rate	APY	Term
18 Month CD Special with Active Account	4.07%	4.15%	18 months
Min Balance $1,000 Details Balance: $100,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
18 Month CD Special with Active Account	4.07%	4.15%	18 months
Min Balance $100,000 Details Tier: $100,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
18 Month CD Special with Active Account	3.98%	4.05%	18 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
12 Month CD Special with Active Account	3.78%	3.85%	12 months
Min Balance $1,000 Details Balance: $100,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
12 Month CD Special with Active Account	3.78%	3.85%	12 months
Min Balance $100,000 Details Tier: $100,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
18 Month CD Special without Active Account	3.74%	3.80%	18 months
Min Balance $1,000 Details Balance: $100,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
18 Month CD Special without Active Account	3.74%	3.80%	18 months
Min Balance $100,000 Details Tier: $100,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
12 Month CD Special with Active Account	3.69%	3.75%	12 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
6 Month CD Special with Active Account	3.64%	3.70%	6 months
Min Balance $1,000 Details Balance: $100,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
6 Month CD Special with Active Account	3.64%	3.70%	6 months
Min Balance $100,000 Details Tier: $100,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
6 Month CD Special with Active Account	3.54%	3.60%	6 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
18 Month CD Special without Active Account	3.49%	3.55%	18 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
12 Month CD Special Without Active Account	3.35%	3.40%	12 months
Min Balance $1,000 Details Balance: $100,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
12 Month CD Special Without Active Account	3.35%	3.40%	12 months
Min Balance $100,000 Details Tier: $100,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
6 Month CD Special without Active Account	3.20%	3.25%	6 months
Min Balance $1,000 Details Balance: $100,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
6 Month CD Special without Active Account	3.20%	3.25%	6 months
Min Balance $100,000 Details Tier: $100,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
12 Month CD Special Without Active Account	3.11%	3.15%	12 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
6 Month CD Special without Active Account	2.96%	3.00%	6 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
4 Year CD	1.09%	1.10%	4 year
Min Balance $1,000 Details Balance: $1,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
3 Year CD	1.04%	1.05%	3 year
Min Balance $1,000 Details Balance: $1,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
2 Year CD	0.95%	0.95%	2 year
Min Balance $1,000 Details Balance: $1,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
1 Year CD	0.80%	0.80%	1 year
Min Balance $1,000 Details Balance: $1,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Municipal 1 Year CD	0.80%	0.80%	1 Year
Min Balance $1,000 Details Balance: $1,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Municipal 6 Month CD	0.70%	0.70%	6 Month
Min Balance $1,000 Details Balance: $1,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%

Pathfinder Bank Savings Rates

Product	Rate	APY
Municipal Savings	0.50%	0.50%
Min Balance $100 Details Balance: $100 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Health Savings Account	0.30%	0.30%
Min Balance $100 Details Balance: $50,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Health Savings Account	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Business Savings	0.25%	0.25%
Min Balance $300 Details Balance: $25,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Business Savings	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Health Savings Account	0.25%	0.25%
Min Balance $100 Details Balance: $35,000 to $49,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Health Savings Account	0.25%	0.25%
Min Balance $35,000 Details Balance: $35,000 to $49,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Business Savings	0.20%	0.20%
Min Balance $300 Details Balance: $10,000 to $24,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Business Savings	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Health Savings Account	0.20%	0.20%
Min Balance $100 Details Balance: $20,000 to $34,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Health Savings Account	0.20%	0.20%
Min Balance $20,000 Details Balance: $20,000 to $34,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Business Landlord Tenant Savings	0.15%	0.15%
Min Balance $300 Details Balance: $300 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Business Savings	0.15%	0.15%
Min Balance $300 Details Balance: $300 to $9,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Health Savings Account	0.15%	0.15%
Min Balance $100 Details Balance: $7,500 to $19,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Health Savings Account	0.15%	0.15%
Min Balance $7,500 Details Balance: $7,500 to $19,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Holiday Club	0.15%	0.15%
Min Balance $0 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Landlord Tenant Savings	0.15%	0.15%
Min Balance $300 Details Balance: $300 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Statement Savings	0.15%	0.15%
Min Balance $300 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Young Investor's Club	0.15%	0.15%
Min Balance $5 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Health Savings Account	0.10%	0.10%
Min Balance $100 Details Balance: $100 to $7,499 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%

Pathfinder Bank Money Market Rates

Product	Rate	APY
Municipal Money Market Deposit Account	2.86%	2.90%
Min Balance $2,500 Details Balance: $1,000,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Municipal Money Market Deposit Account	2.86%	2.90%
Min Balance $1,000,000 Details Tier: $1,000,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Premier Money Market Deposit Account	2.72%	2.75%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Municipal Money Market Deposit Account	1.74%	1.75%
Min Balance $2,500 Details Balance: $500,000 to $999,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Municipal Money Market Deposit Account	1.74%	1.75%
Min Balance $500,000 Details Tier: $500,000 to $999,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Premier Money Market Deposit Account	1.74%	1.75%
Min Balance $2,500 Details Balance: $100,000 to $249,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Premier Money Market Deposit Account	1.74%	1.75%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Municipal Money Market Deposit Account	1.49%	1.50%
Min Balance $2,500 Details Balance: $100,000 to $499,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Municipal Money Market Deposit Account	1.49%	1.50%
Min Balance $100,000 Details Tier: $100,000 to $499,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Premier Money Market Deposit Account	1.49%	1.50%
Min Balance $2,500 Details Balance: $50,000 to $99,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Premier Money Market Deposit Account	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Executive Business Money Market Deposit Account	1.44%	1.45%
Min Balance $10,000 Details Balance: $250,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Executive Business Money Market Deposit Account	1.44%	1.45%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Executive Business Money Market Deposit Account	1.29%	1.30%
Min Balance $10,000 Details Balance: $75,000 to $249,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Executive Business Money Market Deposit Account	1.29%	1.30%
Min Balance $75,000 Details Balance: $75,000 to $249,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Municipal Money Market Deposit Account	1.00%	1.00%
Min Balance $2,500 Details Balance: $25,000 to $99,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Municipal Money Market Deposit Account	1.00%	1.00%
Min Balance $25,000 Details Tier: $25,000 to $99,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Premier Money Market Deposit Account	1.00%	1.00%
Min Balance $2,500 Details Balance: $2,500 to $49,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Executive Business Money Market Deposit Account	0.95%	0.95%
Min Balance $10,000 Details Balance: $50,000 to $74,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Executive Business Money Market Deposit Account	0.95%	0.95%
Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Municipal Money Market Deposit Account	0.75%	0.75%
Min Balance $2,500 Details Balance: $2,500 to $24,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Executive Business Money Market Deposit Account	0.55%	0.55%
Min Balance $10,000 Details Balance: $25,000 to $49,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Executive Business Money Market Deposit Account	0.55%	0.55%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Executive Business Money Market Deposit Account	0.45%	0.45%
Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Executive Business Money Market Deposit Account	0.35%	0.35%
Min Balance $10,000 Details Balance: $2,500 to $9,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Executive Business Money Market Deposit Account	0.35%	0.35%
Min Balance $2,500 Details Balance: $2,500 to $9,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Money Market Deposit Account	0.35%	0.35%
Min Balance $2,500 Details Balance: $75,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Money Market Deposit Account	0.35%	0.35%
Min Balance $75,000 Details Balance: $75,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Money Market Deposit Account	0.30%	0.30%
Min Balance $2,500 Details Balance: $50,000 to $74,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Money Market Deposit Account	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Money Market Deposit Account	0.25%	0.25%
Min Balance $2,500 Details Balance: $10,000 to $49,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Money Market Deposit Account	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Money Market Deposit Account	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 to $9,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%

Pathfinder Bank Checking Rates

Product	Rate	APY
Business IOLA Checking	2.23%	2.25%
Min Balance $100 Details Balance: $100 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
IOLA Checking	2.23%	2.25%
Min Balance $100 Details Balance: $100 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Premier Checking	0.65%	0.65%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Business Interest Checking	0.50%	0.50%
Min Balance $1,000 Details Balance: $1,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Municipal Now Checking	0.50%	0.50%
Min Balance $100 Details Balance: $100 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Business Estate Checking	0.15%	0.15%
Min Balance $100 Details Balance: $100 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Estate Checking	0.15%	0.15%
Min Balance $100 Details Balance: $100 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Premier Checking	0.15%	0.15%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Analyzed Business Checking	0.10%	0.10%
Min Balance $100 Details Balance: $10,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Analyzed Business Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Analyzed Business Checking	0.07%	0.07%
Min Balance $100 Details Balance: $5,000 to $9,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Analyzed Business Checking	0.07%	0.07%
Min Balance $5,000 Details Balance: $5,000 to $9,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Premier Checking	0.05%	0.05%
Min Deposit $500 Min Balance $500 Details Balance: $500 to $9,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Premier Checking	0.05%	0.05%
Min Balance $500 Details Balance: $500 to $9,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Analyzed Business Checking	0.03%	0.03%
Min Balance $100 Details Balance: $100 to $4,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%

Pathfinder Bank Credit Card Rates

Product	Rate	APR	View More
Mastercard Credit Card	-	19.99%
Details Intro APR: 0% for 12 billing cycles; Intro rate expires: 12 billing cycles; Regular APR: 19.99% - 29.99% Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%

Pathfinder Bank Other Rates

Product	Rate	Points	APY/APR
Executive Business MMDA	0.35%	-	0.35%
Min Balance $2,500 Details Balance: $2,500 to $9,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Executive Business MMDA	0.45%	-	0.45%
Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Executive Business MMDA	0.55%	-	0.55%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Executive Business MMDA	0.95%	-	0.95%
Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Executive Business MMDA	1.29%	-	1.30%
Min Balance $75,000 Details Balance: $75,000 to $249,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Executive Business MMDA	1.44%	-	1.45%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Free Kasasa Cash Checking	3.93%	-	4.00%
Min Deposit $100 Details Qualifications Required: At least 12 debit card purchases; At least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction; Be enrolled in and agree to receive eStatements; Blended APY Range of 4.00%-1.31% is an example of rates for account balances up to $130,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days; actual blended APY on statements may vary based on total account balance. ATM withdrawal fees are not refunded if qualifications are not met. Reimbursements up to an aggregate total of $25.00 (up to $4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. Fees may reduce earnings. Limit of one (1) account per Social Security Number. Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
High Yield Business MMDA Promo	0.40%	-	0.40%
Min Balance $10,000 Details Published APY range: 0.40%/1.40%; Published rate range: 0.40%/1.39%. Balance: $2,500 to $99,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
High Yield Business MMDA Promo	1.14%	-	1.15%
Min Balance $10,000 Details Published APY range: 1.15%/2.15%; Published rate range: 1.14%/2.13%. Balance: $100,000 to $249,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
High Yield Business MMDA Promo	1.49%	-	1.50%
Min Balance $10,000 Details Published APY range: 1.50%/2.50%; Published rate range: 1.49%/2.47%. Balance: $250,000 to $499,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
High Yield Business MMDA Promo	1.98%	-	2.00%
Min Balance $10,000 Details Published APY range: 2.00%/3.00%; Published rate range: 1.98%/2.96%. Balance: $500,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
High Yield Business MMDA Promo	0.40%	-	0.40%
Min Balance $2,500 Details Balance: $2,500 to $99,999; Rate/APY for earnings credit only Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
High Yield Business MMDA Promo	1.14%	-	1.39%
Min Balance $100,000 Details Balance: $100,000 to $249,999; Rate/APY for earnings credit only Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
High Yield Business MMDA Promo	1.49%	-	1.50%
Min Balance $250,000 Details Balance: $250,000 to $499,999; Rate/APY for earnings credit only Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
High Yield Business MMDA Promo	1.98%	-	2.00%
Min Balance $500,000 Details Balance: $500,000 and over; Rate/APY for earnings credit only Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Kasasa Cash Checking	3.93%	-	4.00%
Min Balance $0 Details Qualifications Required: Qualifications Required; 3.93% Rate; 4.00% APY; Balance: $0 to $30,000 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Kasasa Cash Checking	3.93%	-	4.00%
Min Deposit $100 Details Qualifications Required: At least one (1) ACH credit or ACH payment transaction(s), at least twelve (12) debit card purchases, and you must be enrolled in and have agreed to receive e-statements; Interest Earning 4.00% APY on balances up to $30,000; 4.00% to 1.31 APY on balances over $30,000 depending on balance in account; Refunds on ATM Withdrawal Fees Up to $25 per month; Blended APY Range of 4.00%-1.31% is an example of rates for account balances up to $130,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days; actual blended APY on statements may vary based on total account balance. Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Kasasa Cash Checking	0.05%	-	0.05%
Details All balances if qualifications not met Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Kasasa Saver Savings	1.00%	-	1.00%
Min Balance $0 Details Balance: $0 to $30,000 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Kasasa Saver Savings	0.25%	-	0.25%
Min Balance $0 Details Balance: $30,001 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Kasasa Saver Savings	0.05%	-	0.05%
Min Balance $0 Details Balance: All balances if qualifications not met Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Kasasa Saver Savings	0.25%	-	0.25%
Min Balance $30,001 Details Balance: $30,001 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Kasasa Saver Savings	0.05%	-	0.05%
Details All balances if qualifications not met; Balance: All balances Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Personal MMDA	0.20%	-	0.20%
Min Balance $2,500 Details Balance: $2,500 to $9,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Personal MMDA	0.25%	-	0.25%
Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Personal MMDA	0.30%	-	0.30%
Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Personal MMDA	0.35%	-	0.35%
Min Balance $75,000 Details Balance: $75,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Premier MMDA	1.00%	-	1.00%
Min Balance $2,500 Details Balance: $2,500 to $49,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Premier MMDA	1.49%	-	1.50%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Premier MMDA	1.74%	-	1.75%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Premier MMDA	2.72%	-	2.75%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 09/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%

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.
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Financial Health History

Pathfinder Bank’s Texas Ratio rose from 12.40% in Q3 2023 to 31.47% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 3.6 and its Health Grade from A to C-. 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	$1.5B	31.47%	3.6	C-
March 31, 2026	$1.4B	33.23%	3.5	D
December 31, 2025	$1.4B	20.04%	4.6	B
September 30, 2025	$1.5B	16.24%	4.9	A-
June 30, 2025	$1.5B	8.26%	5.0	A
March 31, 2025	$1.5B	9.21%	5.0	A
December 31, 2024	$1.5B	15.70%	4.9	A-
September 30, 2024	$1.5B	11.50%	5.0	A
June 30, 2024	$1.4B	17.07%	4.8	B+
March 31, 2024	$1.4B	13.90%	5.0	A
December 31, 2023	$1.5B	12.53%	5.0	A
September 30, 2023	$1.4B	12.40%	5.0	A

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 Pathfinder 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 Pathfinder 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 Pathfinder Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Pathfinder Bank

Bank Holding Company PATHFINDER BCORP INC

Address 214 W 1st St, Oswego, NY 13126 · Oswego

Website https://www.pathfinderbank.com

FDIC Certificate # 57497

Established 20021025

FDIC Insurance Date 20021025

Domestic Offices 13

Total Branches 13

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

C-

Overall Health Grade Score: 71/100

3.6

Very Good Out of 5.0 Stars

31.47%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9371%

Return on Equity (ROE) 9.6400%

Non-Performing Loans (NPL) 2.99%

Total Assets $1,485,888,000

Total Deposits $1,181,842,000

Equity Capital $141,734,000

Net Income $6,743,000

Headquarters Oswego

Total Branches and Offices 13

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Pathfinder Bank

How many branches does Pathfinder Bank operate?

Pathfinder Bank currently maintains approximately 13 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, Pathfinder 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, Pathfinder Bank provides members with tools to manage their accounts and build a solid financial history.

Does Pathfinder Bank offer online and mobile banking?

Most modern institutions like Pathfinder 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.pathfinderbank.com.