What are the current interest rates at Maspeth Federal S&L?

Current rates for Maspeth Federal S&L include: 12-Month CD: 3.65%, 18-Month CD: 3.35%, 24-Month CD: 3.40%, 36-Month CD: 3.45%, 60-Month CD: 3.50%, Savings: 10.00%, MMA: 0.50%

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Maspeth Federal S&L Rates & Review October 2026

Q: How many branches does Maspeth Federal S&L operate?

Maspeth Federal S&L currently maintains approximately 8 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, Maspeth Federal S&L 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, Maspeth Federal S&L 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: October 11, 2026

Maspeth Federal S&L's top rates as of October 11, 2026 are 3.80% APY on its 9-Month CD and IRA, 10.00% APY on savings, 0.50% APY on money market accounts, 0.50% APY on checking, and 6.50% on its Primary Fixed-Rate Mortgage, according to rates verified by MonitorBankRates. Other Maspeth Federal S&L CD rates include Roth IRA 9-Month CD and IRA at 3.80%, Traditional 9-Month CD and IRA at 3.80%, and 12-Month CD and IRA at 3.65%. Other Maspeth Federal S&L mortgage rates include Refinance Loan at 6.50%, Primary Fixed-Rate Mortgage at 6.75%, and Refinance Loan at 6.75%. MonitorBankRates evaluates the financial stability of Maspeth Federal S&L with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.58%. Rates last updated and verified on 10/11/2026.

Maspeth Federal S&L 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 Maspeth Federal S&L? Share your experience about Maspeth Federal S&L by leaving a review below, or read customer reviews before you decide to use Maspeth Federal S&L.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.58%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Maspeth Federal S&L

5618 69th St
Maspeth, NY 11378

https://www.maspethfederal.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.

Maspeth Federal S&L CD Rates

Product	Rate	APY	Term
9 Month CD and IRA	3.68%	3.80%	9 Month
Min Balance $1,500 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Roth IRA 9 Month CD and IRA	3.68%	3.80%	9 Month
Min Balance $1,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Traditional 9 Month CD and IRA	3.68%	3.80%	9 Month
Min Balance $1,500 Details Traditional IRA Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month CD and IRA	3.54%	3.65%	12 Month
Min Balance $1,500 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Roth IRA 12 Month CD and IRA	3.54%	3.65%	12 Month
Min Balance $1,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Traditional 12 Month CD and IRA	3.54%	3.65%	12 Month
Min Balance $1,500 Details Traditional IRA Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month CD and IRA	3.39%	3.50%	6 Month
Min Balance $1,500 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
60 Month CD and IRA	3.39%	3.50%	60 Month
Min Balance $2,500 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Roth IRA 6 Month CD and IRA	3.39%	3.50%	6 Month
Min Balance $1,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Roth IRA 60 Month CD and IRA	3.39%	3.50%	60 Month
Min Balance $2,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Traditional 6 Month CD and IRA	3.39%	3.50%	6 Month
Min Balance $1,500 Details Traditional IRA Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Traditional 60 Month CD and IRA	3.39%	3.50%	60 Month
Min Balance $2,500 Details Traditional IRA Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month CD and IRA	3.35%	3.45%	36 Month
Min Balance $2,500 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Roth IRA 36 Month CD and IRA	3.35%	3.45%	36 Month
Min Balance $2,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Traditional 36 Month CD and IRA	3.35%	3.45%	36 Month
Min Balance $2,500 Details Traditional IRA Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month CD and IRA	3.30%	3.40%	24 Month
Min Balance $2,500 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Roth IRA 24 Month CD and IRA	3.30%	3.40%	24 Month
Min Balance $2,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Traditional 24 Month CD and IRA	3.30%	3.40%	24 Month
Min Balance $2,500 Details Traditional IRA Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
18 Month CD and IRA	3.25%	3.35%	18 Month
Min Balance $1,500 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
18 Month Wild Card IRA	3.25%	3.35%	18 Month
Min Balance $40 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Roth IRA 18 Month CD and IRA	3.25%	3.35%	18 Month
Min Balance $1,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Roth IRA 18 Month Wild Card IRA	3.25%	3.35%	18 Month
Min Balance $40 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Traditional 18 Month CD and IRA	3.25%	3.35%	18 Month
Min Balance $1,500 Details Traditional IRA Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Traditional 18 Month Wild Card IRA	3.25%	3.35%	18 Month
Min Balance $40 Details Traditional IRA Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Maspeth Federal S&L Savings Rates

Product	Rate	APY
Youth Savings	9.57%	10.00%
Min Balance $1 Details Balance: $1 - $6000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 10.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Passbook Savings	0.49%	0.50%
Min Balance $100 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Statement Savings	0.49%	0.50%
Min Balance $100 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Vacation & Holiday Clubs	0.49%	0.50%
Min Balance $5 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Vault Savings	0.49%	0.50%
Min Balance $100 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Young Savers Club	0.49%	0.50%
Min Balance $1 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Youth Savings	0.50%	0.50%
Min Balance $6,000 Details Balance: Above $6000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Maspeth Federal S&L Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.49%	0.50%
Min Balance $100 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Maspeth Federal S&L Money Market Rates

Product	Rate	APY	View More
Money Market	0.49%	0.50%
Min Balance $2,500 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Maspeth Federal S&L Checking Rates

Product	Rate	APY	View More
Interest Checking	0.49%	0.50%
Min Deposit $1 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Maspeth Federal S&L Mortgage Rates

Product	Rate	Points	APR	Term
Primary Fixed-Rate Mortgage	6.50%	None	6.514%	15 Years
Details Property: Primary 1 & 2 Family Homes, Condominiums & Coops Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 6.51% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Refinance Loan	6.50%	No points	6.514%	15 Years
Details Property: Primary 1-2 Family Homes, Primary Condominiums & Coops Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 6.51% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Primary Fixed-Rate Mortgage	6.75%	None	6.762%	20 Years
Details Property: Primary 1 & 2 Family Homes, Condominiums & Coops Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 6.76% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Refinance Loan	6.75%	No points	6.762%	20 Years
Details Property: Primary 1 & 2 Family Homes, Primary Condominiums & Coops Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 6.76% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Primary Fixed-Rate Mortgage	7.00%	None	7.009%	30 Years
Details Property: Primary 1 & 2 Family Homes, Condominiums & Coops Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 7.01% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Refinance Loan	7.00%	No points	7.009%	30 Years
Details Property: Primary 1 & 2 Family Homes, Primary Condominiums & Coops Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 7.01% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Primary Fixed-Rate Mortgage	7.50%	None	7.515%	15 Years
Details Property: Primary 3- to 4-Family Homes Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 7.52% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Refinance Loan	7.50%	No points	7.515%	15 Years
Details Property: Investment Property 1- to 4-Family & Primary 3- to 4-Family Homes & Investment Condominiums Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 7.52% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Primary Fixed-Rate Mortgage	8.00%	None	8.01%	30 Years
Details Property: Primary 3- to 4-Family Homes Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 8.01% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Refinance Loan	8.00%	No points	8.01%	30 Years
Details Property: Investment Property 1- to 4-Family & Primary 3- to 4-Family Homes & Investment Condominiums Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 8.01% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Maspeth Federal S&L Other Rates

Product	Rate	Points	APY/APR	Term
Cash Rewards Platinum Loan	-	-	18.24%	12 billing cycles
Details Published APR range: 18.24% - 28.24%. Intro rate expires: 12 months; Regular APR: 18.24% - 28.24%; Variable APR will apply after introductory period. 0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date ("Last Business Day") and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 8.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Cash Rewards Platinum Cash Advance APRs are currently 27.24%-30.24%. All APRs are based on creditworthiness. Rates are accurate as of September 1, 2023 and are subject to change. To find out what may have changed Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 18.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Commercial Loans	7.25%	-	7.25%	5 months
Details Term: 5/5/5-year balloon / 25-year payout Last Updated 10/11/2026 Rate History 2 changes since Sep 24, 2026 · 6.88% → 7.25% ▲ 0.38 pts · high 7.25% / low 6.88% Oct 11, 20267.25%▲ from 7.13% Oct 3, 20267.13%▲ from 6.88% Sep 24, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Commercial Loans	7.625%	-	7.625%	10 months
Details Term: 10-year balloon / 25-year payout Last Updated 10/11/2026 Rate History 2 changes since Sep 24, 2026 · 7.25% → 7.63% ▲ 0.38 pts · high 7.63% / low 7.25% Oct 11, 20267.63%▲ from 7.50% Oct 3, 20267.50%▲ from 7.25% Sep 24, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Commercial Loans	8.125%	-	8.125%	15 months
Details Term: 15-year fixed term (self-liquidating) Last Updated 10/11/2026 Rate History 2 changes since Sep 24, 2026 · 7.75% → 8.13% ▲ 0.38 pts · high 8.13% / low 7.75% Oct 11, 20268.13%▲ from 8.00% Oct 3, 20268.00%▲ from 7.75% Sep 24, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
First Time Homebuyer Loan	6.25%	None	6.264%	15 Years
Details Property: Primary 1 & 2 Family Homes, Condominiums & Coops Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 6.26% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
First Time Homebuyer Loan	6.50%	None	6.512%	20 Years
Details Property: Primary 1 & 2 Family Homes, Condominiums & Coops Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 6.51% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
First Time Homebuyer Loan	6.75%	None	6.759%	30 Years
Details Property: Primary 1 & 2 Family Homes, Condominiums & Coops Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 6.76% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Investment Property 1- to 4-Family & Investment Condominium Loan	7.50%	-	7.515%	15 Years
Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 7.27% → 7.52% ▲ 0.25 pts · high 7.52% / low 7.27% Oct 1, 20267.52%▲ from 7.27% Sep 24, 20267.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Investment Property 1- to 4-Family & Investment Condominium Loan	8.00%	-	8.01%	30 Years
Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 7.76% → 8.01% ▲ 0.25 pts · high 8.01% / low 7.76% Oct 1, 20268.01%▲ from 7.76% Sep 24, 20267.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Platinum Edition Loan	-	-	14.24%	12 billing cycles
Details Published APR range: 14.24% - 24.24%. Intro rate expires: 12 months; Regular APR: 14.24% - 24.24%; Variable APR will apply after introductory period. 0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date ("Last Business Day") and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 8.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Platinum Edition Cash Advance APR is currently 27.24%. All APRs are based on creditworthiness. Rates are accurate as of September 1, 2023 and are subject to change. To find out what may have changed, contact us o Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 14.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Rewards Platinum Loan	-	-	15.24%	12 billing cycles
Details Published APR range: 15.24% - 25.24%. Intro rate expires: 12 months; Regular APR: 15.24% - 25.24%; Variable APR will apply after introductory period. 0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date ("Last Business Day") and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 8.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum Cash Advance APR is currently 27.24%. All APRs are based on creditworthiness. Rates are accurate as of September 1, 2023 and are subject to change. To find out what may have changed, contact us o Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 15.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Coverdell Education Savings Account - 12 Month CD	3.77%	-	3.90%	12 Month
Min Balance $1,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Coverdell Education Savings Account - 18 Month CD	3.25%	-	3.35%	18 Month
Min Balance $1,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Coverdell Education Savings Account - 18 Month Wild Card IRA	3.25%	-	3.35%	18 Month
Min Balance $40 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Coverdell Education Savings Account - 24 Month CD	3.30%	-	3.40%	24 Month
Min Balance $2,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Coverdell Education Savings Account - 36 Month CD	3.35%	-	3.45%	36 Month
Min Balance $2,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Coverdell Education Savings Account - 6 Month CD	4.05%	-	4.15%	6 Month
Min Balance $1,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Coverdell Education Savings Account - 60 Month CD	3.39%	-	3.50%	60 Month
Min Balance $2,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Coverdell Education Savings Account - 9 Month CD	2.92%	-	3.00%	9 Month
Min Balance $1,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Wild Card IRA CD	3.25%	-	3.35%
Min Balance $40 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

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

Maspeth Federal S&L’s Texas Ratio fell from 6.07% in Q3 2023 to 3.58% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$2.2B	3.58%	5.0	A+
March 31, 2026	$2.2B	4.01%	5.0	A+
December 31, 2025	$2.2B	4.11%	5.0	A+
September 30, 2025	$2.1B	4.42%	5.0	A+
June 30, 2025	$2.1B	4.12%	5.0	A+
March 31, 2025	$2.2B	4.54%	5.0	A+
December 31, 2024	$2.2B	5.36%	5.0	A+
September 30, 2024	$2.2B	5.68%	5.0	A+
June 30, 2024	$2.2B	5.57%	5.0	A+
March 31, 2024	$2.2B	5.75%	5.0	A+
December 31, 2023	$2.1B	5.37%	5.0	A+
September 30, 2023	$2.1B	6.07%	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 Maspeth Federal S&L 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 Maspeth Federal S&L 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 Maspeth Federal S&L's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Maspeth Federal S&L

FDIC Certificate # 30303

Address 5618 69th St, Maspeth, NY 11378 · Queens

Website https://www.maspethfederal.com

Established 19470101

FDIC Insurance Date 19890809

Domestic Offices 8

Total Branches 8

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.58%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0954%

Return on Equity (ROE) 3.1600%

Non-Performing Loans (NPL) 1.09%

Total Assets $2,211,470,000

Total Deposits $1,402,049,000

Equity Capital $772,269,000

Net Income $12,121,000

Headquarters Maspeth

Total Branches and Offices 8

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Maspeth Federal S&L earned the Verified Healthy badge

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Frequently Asked Questions About Maspeth Federal S&L

How many branches does Maspeth Federal S&L operate?

Maspeth Federal S&L currently maintains approximately 8 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, Maspeth Federal S&L 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, Maspeth Federal S&L provides members with tools to manage their accounts and build a solid financial history.

Does Maspeth Federal S&L offer online and mobile banking?

Most modern institutions like Maspeth Federal S&L 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.maspethfederal.com.

Current Maspeth Federal S&L Rates

12-Month CD3.65%
18-Month CD3.35%
24-Month CD3.40%
36-Month CD3.45%
60-Month CD3.50%
Savings10.00%
MMA0.50%

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

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Maspeth Federal S&L Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Maspeth Federal S&L Texas Ratio

Maspeth Federal S&L Health Trend

Maspeth Federal S&L CD Rates

Maspeth Federal S&L Savings Rates

Maspeth Federal S&L Business Savings Rates

Maspeth Federal S&L Money Market Rates

Maspeth Federal S&L Checking Rates

Maspeth Federal S&L Mortgage Rates

Maspeth Federal S&L Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

Maspeth Federal S&L earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Maspeth Federal S&L

How many branches does Maspeth Federal S&L operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Maspeth Federal S&L offer online and mobile banking?

Current Maspeth Federal S&L Rates

Compare to Other Banks