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Massena Savings and Loan Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Massena Savings and Loan's top rates as of October 14, 2026 are 4.90% APY on its 36-Month CD, 0.51% APY on savings, 6.75% on its Conventional Real Estate Mortgages - 3 Year ARM, and auto loans from 5.75% APR, according to rates verified by MonitorBankRates. Other Massena Savings and Loan CD rates include 36-Months Traditional/Roth IRA 36-Month CD at 4.90%, 60-Month CD at 4.64%, and 60-Months Traditional/Roth IRA 60-Month CD at 4.64%. Other Massena Savings and Loan mortgage rates include Conventional Real Estate Mortgages - 5 Year ARM at 6.75%, Conventional Real Estate Mortgages - Fixed Rate at 6.80%, and Conventional Real Estate Mortgages - Fixed Rate at 6.84%. MonitorBankRates evaluates the financial stability of Massena Savings and Loan with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.00%. Rates last updated and verified on 10/14/2026.

Massena Savings and Loan money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Massena Savings and Loan? Share your experience about Massena Savings and Loan by leaving a review below, or read customer reviews before you decide to use Massena Savings and Loan.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
9.00%
Excellent Higher than avg
Health Trend ?
Improving 12 quarters
Full history ›
Massena Savings and Loan
255 Main St
Massena, NY 13662
https://www.massenasavingsloan.com
MemberFDIC
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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.

Massena Savings and Loan CD Rates

Product Rate APY Term View More
36 Month CD 4.75% 4.90% 36 Month
Min Balance $1,000
Last Updated 10/14/2026
Rate History
1 change since Sep 19, 2026 · 3.18% → 4.90% ▲ 1.72 pts · high 4.90% / low 3.18%
1.46%4.04%6.62%Sep 19, 2026: 3.18% APYOct 3, 2026: 4.90% APYSep 19, 2026Oct 16, 2026
  • Oct 3, 20264.90%▲ from 3.18%
  • Sep 19, 20263.18%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Traditional/Roth IRA 36 Month CD 4.75% 4.90% 36 Months
Min Balance $1,000
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 4.90% APY
4.40%4.90%5.40%Oct 14, 2026: 4.90% APYOct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
60 Month CD 4.50% 4.64% 60 Month
Min Balance $1,000
Last Updated 10/14/2026
Rate History
1 change since Sep 19, 2026 · 3.23% → 4.64% ▲ 1.41 pts · high 4.64% / low 3.23%
1.82%3.93%6.05%Sep 19, 2026: 3.23% APYOct 3, 2026: 4.64% APYSep 19, 2026Oct 16, 2026
  • Oct 3, 20264.64%▲ from 3.23%
  • Sep 19, 20263.23%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Traditional/Roth IRA 60 Month CD 4.50% 4.64% 60 Months
Min Balance $1,000
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 4.64% APY
4.14%4.64%5.14%Oct 14, 2026: 4.64% APYOct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
48 Month CD 4.25% 4.38% 48 Month
Min Balance $1,000
Last Updated 10/14/2026
Rate History
1 change since Sep 19, 2026 · 3.08% → 4.38% ▲ 1.30 pts · high 4.38% / low 3.08%
1.78%3.73%5.68%Sep 19, 2026: 3.08% APYOct 3, 2026: 4.38% APYSep 19, 2026Oct 16, 2026
  • Oct 3, 20264.38%▲ from 3.08%
  • Sep 19, 20263.08%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Traditional/Roth IRA 48 Month CD 4.25% 4.38% 48 Months
Min Balance $1,000
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 4.38% APY
3.88%4.38%4.88%Oct 14, 2026: 4.38% APYOct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
24 Month CD 3.75% 3.86% 24 Month
Min Balance $1,000
Last Updated 10/14/2026
Rate History
1 change since Sep 19, 2026 · 3.23% → 3.86% ▲ 0.63 pts · high 3.86% / low 3.23%
2.60%3.55%4.49%Sep 19, 2026: 3.23% APYOct 3, 2026: 3.86% APYSep 19, 2026Oct 16, 2026
  • Oct 3, 20263.86%▲ from 3.23%
  • Sep 19, 20263.23%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Traditional/Roth IRA 24 Month CD 3.75% 3.86% 24 Months
Min Balance $1,000
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 3.86% APY
3.36%3.86%4.36%Oct 14, 2026: 3.86% APYOct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
12 Month CD 3.50% 3.60% 12 Month
Min Balance $1,000
Last Updated 10/14/2026
Rate History
1 change since Sep 19, 2026 · 3.49% → 3.60% ▲ 0.11 pts · high 3.60% / low 3.49%
2.99%3.55%4.10%Sep 19, 2026: 3.49% APYOct 3, 2026: 3.60% APYSep 19, 2026Oct 16, 2026
  • Oct 3, 20263.60%▲ from 3.49%
  • Sep 19, 20263.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Traditional/Roth IRA 12 Month CD 3.50% 3.60% 12 Months
Min Balance $1,000
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
6 Month CD 1.00% 1.02% 6 Month
Min Balance $2,500
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 1.02% APY · checked 8 times
0.52%1.02%1.52%Sep 19, 2026: 1.02% APYSep 19, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%

Massena Savings and Loan Savings Rates

Product Rate APY View More
Money Market Savings Account 0.50% 0.51%
Min Balance $2,500
Details Variable Rate Account; Tiered rate, tier 3 of 3 (0% / 0.25% / 0.50%); tier balance bands not stated on page
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 0.51% APY
0.01%0.51%1.01%Oct 14, 2026: 0.51% APYOct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Traditional/Roth IRA Savings 0.50% 0.51%
Min Balance $1
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 0.51% APY
0.01%0.51%1.01%Oct 14, 2026: 0.51% APYOct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Money Market Savings Account 0.25% 0.25%
Min Balance $2,500
Details Variable Rate Account; Tiered rate, tier 2 of 3 (0% / 0.25% / 0.50%); tier balance bands not stated on page
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 14, 2026: 0.25% APYOct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Regular Savings Account 0.10% 0.10%
Min Balance $1
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%

Massena Savings and Loan Money Market Rates

Product Rate APY View More
Money Market Savings Account 0.50% 0.51%
Min Balance $2,500
Details Variable Rate Account; Tiered rate, tier 3 of 3 (0% / 0.25% / 0.50%); tier balance bands not stated on page
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 0.51% APY
0.01%0.51%1.01%Oct 14, 2026: 0.51% APYOct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Money Market Savings Account 0.25% 0.25%
Min Balance $2,500
Details Variable Rate Account; Tiered rate, tier 2 of 3 (0% / 0.25% / 0.50%); tier balance bands not stated on page
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 14, 2026: 0.25% APYOct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%

Massena Savings and Loan Mortgage Rates

Product Rate Points APR Term View More
Conventional Real Estate Mortgages - 3 Year ARM 6.75% 0 6.75% 25 years
Details Loan to Value: 85%; Index: MIRS Transition Index; Caps: Life: Max+6%, Min3.0%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 14, 2026: 6.75% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - 5 Year ARM 6.75% 0 6.75% 25 years
Details Loan to Value: 85%; Index: MIRS Transition Index; Caps: Life: Max+6%, Min3.0%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 14, 2026: 6.75% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 6.80% 0 6.80% 5 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 6.80% APR
6.30%6.80%7.30%Oct 14, 2026: 6.80% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 6.84% 0 6.84% 6 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 6.84% APR
6.34%6.84%7.34%Oct 14, 2026: 6.84% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 6.89% 0 6.89% 7 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 6.89% APR
6.39%6.89%7.39%Oct 14, 2026: 6.89% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 6.94% 0 6.94% 8 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 6.94% APR
6.44%6.94%7.44%Oct 14, 2026: 6.94% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 6.98% 0 6.98% 9 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 6.98% APR
6.48%6.98%7.48%Oct 14, 2026: 6.98% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 7.03% 0 7.03% 10 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.03% APR
6.53%7.03%7.53%Oct 14, 2026: 7.03% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 7.08% 0 7.08% 11 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.08% APR
6.58%7.08%7.58%Oct 14, 2026: 7.08% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 7.12% 0 7.12% 12 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.12% APR
6.62%7.12%7.62%Oct 14, 2026: 7.12% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 7.17% 0 7.17% 13 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.17% APR
6.67%7.17%7.67%Oct 14, 2026: 7.17% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 7.22% 0 7.22% 14 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.22% APR
6.72%7.22%7.72%Oct 14, 2026: 7.22% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 7.25% 0 7.25% 15 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.25% APR
6.75%7.25%7.75%Oct 14, 2026: 7.25% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 7.30% 0 7.30% 16 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.30% APR
6.80%7.30%7.80%Oct 14, 2026: 7.30% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 7.34% 0 7.34% 17 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.34% APR
6.84%7.34%7.84%Oct 14, 2026: 7.34% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 7.39% 0 7.39% 18 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.39% APR
6.89%7.39%7.89%Oct 14, 2026: 7.39% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 7.44% 0 7.44% 19 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.44% APR
6.94%7.44%7.94%Oct 14, 2026: 7.44% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 7.50% 0 7.50% 20 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 14, 2026: 7.50% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 7.55% 0 7.55% 21 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.55% APR
7.05%7.55%8.05%Oct 14, 2026: 7.55% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 7.59% 0 7.59% 22 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.59% APR
7.09%7.59%8.09%Oct 14, 2026: 7.59% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 7.65% 0 7.65% 23 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.65% APR
7.15%7.65%8.15%Oct 14, 2026: 7.65% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 7.70% 0 7.70% 24 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.70% APR
7.20%7.70%8.20%Oct 14, 2026: 7.70% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Conventional Real Estate Mortgages - Fixed Rate 7.75% 0 7.75% 25 years
Details Loan to Value: 85%; Rate determined by credit score
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.75% APR
7.25%7.75%8.25%Oct 14, 2026: 7.75% APROct 14, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%

Massena Savings and Loan Auto Loan Rates

Product Rate Points APR Term View More
Auto - New 5.75% - 5.75% 6 years
Details Secured; LTV: 100% of INV OR NADA RETAIL; Model Year: 2027-2024; Rate will be determined by credit score
Last Updated 10/14/2026
Rate History
1 change since Sep 15, 2026 · 6.00% → 5.75% ▼ 0.25 pts · high 6.00% / low 5.75%
5.25%5.88%6.50%Sep 15, 2026: 6.00% APROct 3, 2026: 5.75% APRSep 15, 2026Oct 16, 2026
  • Oct 3, 20265.75%▼ from 6.00%
  • Sep 15, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Auto - Used 7.75% - 7.75% 5 years
Details Secured; LTV: 100% of INV OR NADA RETAIL; Model Year: 2023-2019; Rate will be determined by credit score
Last Updated 10/14/2026
Rate History
1 change since Sep 15, 2026 · 8.00% → 7.75% ▼ 0.25 pts · high 8.00% / low 7.75%
7.25%7.88%8.50%Sep 15, 2026: 8.00% APROct 3, 2026: 7.75% APRSep 15, 2026Oct 16, 2026
  • Oct 3, 20267.75%▼ from 8.00%
  • Sep 15, 20268.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
Auto - Used 8.50% - 8.50% 4 years
Details Secured; LTV: 100% of INV OR NADA RETAIL; Model Year: 2018 - Older; Rate will be determined by credit score
Last Updated 10/14/2026
Rate History
1 change since Sep 15, 2026 · 8.75% → 8.50% ▼ 0.25 pts · high 8.75% / low 8.50%
8.00%8.63%9.25%Sep 15, 2026: 8.75% APROct 3, 2026: 8.50% APRSep 15, 2026Oct 16, 2026
  • Oct 3, 20268.50%▼ from 8.75%
  • Sep 15, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%

Massena Savings and Loan Other Rates

Product Rate Points APY/APR Term View More
NOW Account 0.05% - 0.05%
Min Balance $0
Details Tiered rates; balance bands for each tier not stated; APY range: 0.05% / 0.10% / 0.25%; RATE range: 0.05% / 0.10% / 0.25%
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 16, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Massena Savings and Loan’s Texas Ratio fell from 10.52% in Q3 2023 to 9.00% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 10.52% A Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 9.00% A Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$200M9.00%5.0A
March 31, 2026$201M9.49%5.0A
December 31, 2025$200M8.44%5.0A
September 30, 2025$194M9.95%5.0A
June 30, 2025$189M11.16%5.0A
March 31, 2025$187M9.45%5.0A
December 31, 2024$187M9.12%5.0A
September 30, 2024$191M10.13%5.0A
June 30, 2024$187M9.20%5.0A
March 31, 2024$184M9.09%5.0A
December 31, 2023$183M9.90%5.0A
September 30, 2023$178M10.52%5.0A
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 Massena Savings and Loan is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Massena Savings and Loan rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Massena Savings and Loan's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Massena Savings and Loan
Website https://www.massenasavingsloan.com
Address 255 Main St, Massena, NY 13662  ·  St. Lawrence
FDIC Certificate # 30429
Regulator OCC
Established January 1, 1924
FDIC Insurance Date August 9, 1989
Domestic Offices 2
Total Branches 2
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
9.00%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.0853%
Return on Equity (ROE)
7.2900%
Non-Performing Loans Ratio (NPL)
1.18%
Total Assets
$199,862,000
Total Deposits
$148,165,000
Equity Capital
$30,357,000
Net Income
$1,086,000
Headquarters
Massena
Total Branches and Offices
2
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Massena Savings and Loan earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Massena Savings and Loan

How many branches does Massena Savings and Loan operate?

Massena Savings and Loan currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Massena Savings and Loan does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Massena Savings and Loan provides members with tools to manage their accounts and build a solid financial history.

Does Massena Savings and Loan offer online and mobile banking?

Most modern institutions like Massena Savings and Loan provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.massenasavingsloan.com.

Current Massena Savings and Loan Rates

  • 12-Month CD3.60%
  • 24-Month CD3.86%
  • 36-Month CD4.90%
  • 48-Month CD4.38%
  • 60-Month CD4.64%
  • Savings0.51%
Retrieved from our database of financial products. Rates subject to change.

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