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Pathfinder Bank Rates & Review November 2026

Q: 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: 0.30%, MMA: 2.75%

Q: What CD terms does Pathfinder Bank offer?

Pathfinder Bank CD rates are 0.80% APY for a 12 month CD, 3.55% APY for an 18 month CD, 0.95% APY for a 2 year CD, 1.05% APY for a 3 year CD and 1.10% APY for a 4 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 Pathfinder Bank for its full lineup.

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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Pathfinder Bank's 4 Year CD rates are at 1.10%, 3 Year CD rates are at 1.05%, 2 Year CD rates are at 0.95%, 1 Year CD rates are at 0.80%, 18-Month CD Special with Active Account rates are at 4.15%. Pathfinder Bank's savings rates are at 0.30%. Pathfinder Bank's money market rates are at 2.75%. Pathfinder Bank's checking rates are as high as 5.00%. Pathfinder Bank's top CD rate of 4.15% APY on an 18 month CD is 41% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has a C- health rating. MonitorBankRates evaluates the financial stability of Pathfinder Bank with a 3.6 Star Rating, an C- Overall Health Grade, and a Texas Ratio of 31.30%. Rates last updated and verified on 11/05/2026.

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

31.30%

Fair Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Pathfinder Bank

214 W 1st St
Oswego, NY 13126

https://www.pathfinderbank.com

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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.

Pathfinder Bank CD Rates

Product	Rate	APY	Term
18-Month CD Special with Active Account	4.07%	4.15%	18 months
Min Balance $100,000 Details Balance: $100,000 and over; Minimum Daily Balance: $1,000.00; Customer must have a checking or savings account that they actively use (is not dormant) to qualify Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 4.15% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
18-Month CD Special with Active Account	3.98%	4.05%	18 months
Min Balance $1,000 Details Balance: $1,000 to $99,999; Minimum Daily Balance: $1,000.00; Customer must have a checking or savings account that they actively use (is not dormant) to qualify Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 4.05% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
6-Month CD Special with Active Account	3.93%	4.00%	6 months
Min Balance $100,000 Details Balance: $100,000 and over; Minimum Daily Balance: $1,000.00; Customer must have a checking or savings account that they actively use (is not dormant) to qualify Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 26, 20264.00%▲ from 3.70% Sep 8, 20263.70%first recorded Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
6-Month CD Special with Active Account	3.83%	3.90%	6 months
Min Balance $1,000 Details Balance: $1,000 to $99,999; Minimum Daily Balance: $1,000.00; Customer must have a checking or savings account that they actively use (is not dormant) to qualify Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60% Oct 26, 20263.90%▲ from 3.60% Sep 8, 20263.60%first recorded Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
18-Month CD Special without Active Account	3.74%	3.80%	18 months
Min Balance $100,000 Details Balance: $100,000 and over; Minimum Daily Balance: $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 3.80% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
6-Month CD Special without Active Account	3.59%	3.65%	6 months
Min Balance $100,000 Details Balance: $100,000 and over; Minimum Daily Balance: $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 3.25% → 3.65% ▲ 0.40 pts · high 3.65% / low 3.25% Oct 26, 20263.65%▲ from 3.25% Sep 8, 20263.25%first recorded Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
18-Month CD Special without Active Account	3.49%	3.55%	18 months
Min Balance $1,000 Details Balance: $1,000 to $99,999; Minimum Daily Balance: $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 3.55% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
6-Month CD Special without Active Account	3.35%	3.40%	6 months
Min Balance $1,000 Details Balance: $1,000 to $99,999; Minimum Daily Balance: $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 3.00% → 3.40% ▲ 0.40 pts · high 3.40% / low 3.00% Oct 26, 20263.40%▲ from 3.00% Sep 8, 20263.00%first recorded Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
4-Year CD	1.09%	1.10%	4 Year
Min Balance $1,000 Details Balance: $1,000 and over Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 1.10% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
3-Year CD	1.04%	1.05%	3 Year
Min Balance $1,000 Details Balance: $1,000 and over Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 1.05% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
2-Year CD	0.95%	0.95%	2 Year
Min Balance $1,000 Details Balance: $1,000 and over Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.95% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
1-Year CD	0.80%	0.80%	1 Year
Min Balance $1,000 Details Balance: $1,000 and over Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.80% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%

Pathfinder Bank Savings Rates

Product	Rate	APY
Health Savings Account	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 13 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Health Savings Account	0.25%	0.25%
Min Balance $35,000 Details Balance: $35,000 to $49,999 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 13 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Health Savings Account	0.20%	0.20%
Min Balance $20,000 Details Balance: $20,000 to $34,999 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 13 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Health Savings Account	0.15%	0.15%
Min Balance $7,500 Details Balance: $7,500 to $19,999 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 13 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Holiday Club	0.15%	0.15%
Min Balance $0 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.15% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Statement Savings	0.15%	0.15%
Min Balance $300 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.15% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Young Investor's Club	0.15%	0.15%
Min Balance $5 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.15% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Health Savings Account	0.10%	0.10%
Min Balance $100 Details Balance: $100 to $7,499 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.10% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%

Pathfinder Bank Business Savings Rates

Product	Rate	APY
Business Savings	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.25% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Business Savings	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.20% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Business Landlord Tenant Savings	0.15%	0.15%
Min Balance $300 Details Balance: $300 and over Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.15% APY · checked 10 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Business Savings	0.15%	0.15%
Min Balance $300 Details Balance: $300 to $9,999 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.15% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%

Pathfinder Bank Money Market Rates

Product	Rate	APY
Premier Money Market Deposit Account	2.72%	2.75%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 13 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Premier Money Market Deposit Account	1.74%	1.75%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 13 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Premier Money Market Deposit Account	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 13 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Premier Money Market Deposit Account	0.995%	1.00%
Min Balance $2,500 Details Balance: $2,500 to $49,999 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 1.00% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Money Market Deposit Account	0.35%	0.35%
Min Balance $75,000 Details Balance: $75,000 and over Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 13 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Money Market Deposit Account	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 13 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Money Market Deposit Account	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 13 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Money Market Deposit Account	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 to $9,999 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.20% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%

Pathfinder Bank Business Money Market Rates

Product	Rate	APY
Executive Business Money Market Deposit Account	1.44%	1.45%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 1.45% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Executive Business Money Market Deposit Account	1.29%	1.30%
Min Balance $75,000 Details Balance: $75,000 to $249,999 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 1.30% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Executive Business Money Market Deposit Account	0.95%	0.95%
Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.95% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Executive Business Money Market Deposit Account	0.55%	0.55%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.55% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Executive Business Money Market Deposit Account	0.45%	0.45%
Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.45% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Executive Business Money Market Deposit Account	0.35%	0.35%
Min Balance $2,500 Details Balance: $2,500 to $9,999 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.35% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%

Pathfinder Bank Checking Rates

Product	Rate	APY
Free Kasasa Cash Checking	4.89%	5.00%
Min Deposit $100 Min Balance $0 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; Qualifying balance up to $25,000.00; Refunds on ATM fees nationwide up to $25 monthly Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 4.00% Nov 5, 20265.00%▲ from 4.00% Oct 14, 20264.00%first recorded Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Kasasa Cash Checking	4.89%	5.00%
Min Deposit $100 Min Balance $0 Details Qualifications Required; Balance: $0.00 - $25,000.00; Interest rate 4.89% resulting in 5.00% APY on balances up to $25,000; Balances over $25,000 earn a blended APY ranging from 5.00% to 1.37%; Monthly maintenance fee:; Refunds on ATM withdrawal fees up to $25 per month; APYs accurate as of 11/01/2026 Last Updated 11/05/2026 Rate History 3 changes since Sep 8, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 0.05% Nov 5, 20265.00%▲ from 4.00% Oct 7, 20264.00%▲ from 0.05% Sep 24, 20260.05%▼ from 4.00% Sep 8, 20264.00%first recorded Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Premier Checking	0.65%	0.65%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 and over; Interest rate may change on the first of any month, all other rates may change each Wednesday Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.65% APY · checked 12 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Premier Checking	0.15%	0.15%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 to $24,999; Interest rate may change on the first of any month, all other rates may change each Wednesday Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 11 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Premier Checking	0.05%	0.05%
Min Deposit $500 Min Balance $500 Details Balance: $500 to $9,999; Interest rate may change on the first of any month, all other rates may change each Wednesday Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.05% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%

Pathfinder Bank Business Checking Rates

Product	Rate	APY
Business IOLA Checking	2.40%	2.43%
Min Balance $100 Details Balance: $100 and over Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 2.25% → 2.43% ▲ 0.18 pts · high 2.43% / low 2.25% Oct 7, 20262.43%▲ from 2.25% Sep 8, 20262.25%first recorded Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Business Interest Checking	0.50%	0.50%
Min Balance $1,000 Details Balance: $1,000 and over Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.50% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Business Estate Checking	0.15%	0.15%
Min Balance $100 Details Balance: $100 and over Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.15% APY · checked 10 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%

Pathfinder Bank Other Rates

Product	Rate	Points	APY/APR
Executive Business MMDA	0.35%	-	0.35%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 to $9,999 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 14 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Executive Business MMDA	0.45%	-	0.45%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 14 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Executive Business MMDA	0.55%	-	0.55%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 14 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Executive Business MMDA	0.95%	-	0.95%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 14 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Executive Business MMDA	1.29%	-	1.30%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000 to $249,999 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 14 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Executive Business MMDA	1.44%	-	1.45%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 and over Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.45% APY · checked 14 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
High Yield Business MMDA Promo	0.40%	-	0.40%
Min Deposit $2 Min Balance $2,500 Details Published APY range: 0.40%/1.40%; Published rate range: 0.40%/1.39%. Balance: $2,500 to $99,999; First rate/APY is base; second includes 1.00% bonus rate increase (requires $250,000 non-interest bearing operating account at MMDA opening) Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 12 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
High Yield Business MMDA Promo	1.14%	-	1.15%
Min Deposit $2 Min Balance $100,000 Details Published APY range: 1.15%/2.15%; Published rate range: 1.14%/2.13%. Balance: $100,000 to $249,999; First rate/APY is base; second includes 1.00% bonus rate increase (requires $250,000 non-interest bearing operating account at MMDA opening) Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.39% → 1.15% ▼ 0.24 pts · high 1.39% / low 1.15% Oct 7, 20261.15%▼ from 1.39% Sep 18, 20261.39%first recorded Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
High Yield Business MMDA Promo	1.49%	-	1.50%
Min Deposit $2 Min Balance $250,000 Details Published APY range: 1.50%/2.50%; Published rate range: 1.49%/2.47%. Balance: $250,000 to $499,999; First rate/APY is base; second includes 1.00% bonus rate increase (requires $250,000 non-interest bearing operating account at MMDA opening) Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 12 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
High Yield Business MMDA Promo	1.98%	-	2.00%
Min Deposit $2 Min Balance $500,000 Details Published APY range: 2.00%/3.00%; Published rate range: 1.98%/2.96%. Balance: $500,000 and over; First rate/APY is base; second includes 1.00% bonus rate increase (requires $250,000 non-interest bearing operating account at MMDA opening) Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 12 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Kasasa Saver Savings	0.995%	-	1.00%
Min Balance $0 Details Qualifying balance up to $30,000.00; qualifications required per footnote 1 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 1.00% APY · checked 15 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Personal MMDA	0.20%	-	0.20%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 to $9,999 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 11 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Personal MMDA	0.25%	-	0.25%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 11 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Personal MMDA	0.30%	-	0.30%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 11 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Personal MMDA	0.35%	-	0.35%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000 and over Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 11 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Premier MMDA	0.995%	-	1.00%
Min Deposit $25,000 Min Balance $2,500 Details Balance: $2,500 to $49,999; Opened with new money not currently on deposit at Pathfinder Bank, or funds transferred from a maturing Pathfinder Bank CD, totaling at least $25,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 11 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Premier MMDA	1.49%	-	1.50%
Min Deposit $25,000 Min Balance $50,000 Details Balance: $50,000 to $99,999; Opened with new money not currently on deposit at Pathfinder Bank, or funds transferred from a maturing Pathfinder Bank CD, totaling at least $25,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 11 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Premier MMDA	1.74%	-	1.75%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000 to $249,999; Opened with new money not currently on deposit at Pathfinder Bank, or funds transferred from a maturing Pathfinder Bank CD, totaling at least $25,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 11 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%
Premier MMDA	2.72%	-	2.75%
Min Deposit $25,000 Min Balance $250,000 Details Balance: $250,000 and over; Opened with new money not currently on deposit at Pathfinder Bank, or funds transferred from a maturing Pathfinder Bank CD, totaling at least $25,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 11 times Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.30%

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 12.18% in Q3 2023 to 31.30% 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	31.30%	3.6	C-
March 31, 2026	$1.4B	33.06%	3.5	D
December 31, 2025	$1.4B	19.82%	4.6	B
September 30, 2025	$1.5B	16.07%	4.9	A-
June 30, 2025	$1.5B	8.08%	5.0	A
March 31, 2025	$1.5B	8.95%	5.0	A
December 31, 2024	$1.5B	15.40%	5.0	A-
September 30, 2024	$1.5B	11.24%	5.0	A
June 30, 2024	$1.4B	16.88%	4.8	B+
March 31, 2024	$1.4B	13.70%	5.0	A
December 31, 2023	$1.5B	12.32%	5.0	A
September 30, 2023	$1.4B	12.18%	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

Bank Name Pathfinder Bank

Website https://www.pathfinderbank.com

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

Bank Holding Company PATHFINDER BCORP INC

FDIC Certificate # 57497

Regulator FDIC

Established October 25, 2002

FDIC Insurance Date October 25, 2002

Domestic Offices 13

Total Branches 13

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

3.6 / 5.0 ★

Overall Health & Safety Grade

C- (71/100)

Texas Ratio

31.30%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.9371%

Return on Equity (ROE)

9.6400%

Non-Performing Loans Ratio (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

Source: FDIC — Last Updated June 30, 2026

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Pathfinder Bank

Does Pathfinder Bank offer CDs?

Yes. Pathfinder Bank current CD rates include its 18-Month CD Special with Active Account at 4.15% APY, its 4 Year CD at 1.10% APY and its 3 Year CD at 1.05% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Pathfinder Bank FDIC insured?

Yes. Pathfinder Bank 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 Pathfinder Bank?

The highest Pathfinder Bank CD rate is its 18-Month CD Special with Active Account at 4.15% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Pathfinder Bank offer?

Pathfinder Bank CD rates are 0.80% APY for a 12 month CD, 3.55% APY for an 18 month CD, 0.95% APY for a 2 year CD, 1.05% APY for a 3 year CD and 1.10% APY for a 4 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 Pathfinder Bank for its full lineup.

What is the highest savings rate at Pathfinder Bank?

The highest Pathfinder Bank savings rate is its Health Savings Account at 0.30% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Pathfinder Bank?

The highest Pathfinder Bank money market rate is its Premier Money Market Deposit Account at 2.75% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Pathfinder Bank?

The highest Pathfinder Bank checking rate is its Free Kasasa Cash Checking at 5.00% APY, verified by MonitorBankRates as of November 5, 2026.

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.

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 Pathfinder Bank rates compare?

Pathfinder Bank's top CD rate of 4.15% APY on an 18 month CD is 41% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has a C- health rating. Pathfinder Bank's top rates are its 18-Months 18-Month CD Special with Active Account at 4.15% APY, its Health Savings Account at 0.30% APY, its Premier Money Market Deposit Account at 2.75% APY and its Free Kasasa Cash Checking at 5.00% APY, verified by MonitorBankRates on November 5, 2026.

Current Pathfinder Bank Rates

12-Month CD0.80%
18-Month CD3.55%
24-Month CD0.95%
36-Month CD1.05%
48-Month CD1.10%
Savings0.30%
MMA2.75%

Retrieved from our database of financial products. Rates subject to change.

Pathfinder Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Pathfinder Bank Texas Ratio

Pathfinder Bank Health Trend

Pathfinder Bank CD Rates

Pathfinder Bank Savings Rates

Pathfinder Bank Business Savings Rates

Pathfinder Bank Money Market Rates

Pathfinder Bank Business Money Market Rates

Pathfinder Bank Checking Rates

Pathfinder Bank Business Checking Rates

Pathfinder Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Customer Reviews

Frequently Asked Questions About Pathfinder Bank

Does Pathfinder Bank offer CDs?

Are CDs from Pathfinder Bank FDIC insured?

What is the highest CD rate at Pathfinder Bank?

What CD terms does Pathfinder Bank offer?

What is the highest savings rate at Pathfinder Bank?

What is the highest money market rate at Pathfinder Bank?

What is the highest checking rate at Pathfinder Bank?

How many branches does Pathfinder Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Pathfinder Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Pathfinder Bank rates compare?

Current Pathfinder Bank Rates

Compare to Other Banks