MonitorBankRates
☰
  1. Home›
  2. Banks›
  3. Pathfinder Bank
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Pathfinder Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| 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 7, 2026

Pathfinder Bank's top rates as of October 7, 2026 are 4.15% APY on its 18-Months 18-Month CD Special with Active Account, 0.30% APY on savings, 3.50% APY on money market accounts, and 2.43% APY on checking, according to rates verified by MonitorBankRates. Other Pathfinder Bank CD rates include 18-Months 18-Month CD Special with Active Account at 4.15%, 18-Months 18-Month CD Special with Active Account at 4.05%, and 12-Months 12-Month CD Special with Active Account at 3.85%. 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 10/07/2026.

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
MemberFDIC
Customer Reviews
Be the first to review
Write a Review
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 View More
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 10/07/2026
Rate History
1 change since Sep 8, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 8, 2026: 4.05% APYSep 18, 2026: 4.15% APYSep 8, 2026Oct 14, 2026
  • Sep 18, 20264.15%▲ from 4.05%
  • Sep 8, 20264.05%first recorded
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
18 Month CD Special with Active Account 4.07% 4.15% 18 months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 4.15% APY · checked 8 times
3.65%4.15%4.65%Sep 8, 2026: 4.15% APYSep 8, 2026Oct 14, 2026
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
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
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 10/07/2026
Rate History
1 change since Sep 8, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 8, 2026: 3.75% APYSep 18, 2026: 3.85% APYSep 8, 2026Oct 14, 2026
  • Sep 18, 20263.85%▲ from 3.75%
  • Sep 8, 20263.75%first recorded
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
12 Month CD Special with Active Account 3.78% 3.85% 12 months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 8, 2026: 3.85% APYSep 8, 2026Oct 14, 2026
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 $1,000
Details Balance: $100,000 and over
Last Updated 10/07/2026
Rate History
1 change since Sep 8, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 8, 2026: 3.55% APYSep 18, 2026: 3.80% APYSep 8, 2026Oct 14, 2026
  • Sep 18, 20263.80%▲ from 3.55%
  • Sep 8, 20263.55%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+
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 8, 2026: 3.80% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 8, 2026: 3.75% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
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 10/07/2026
Rate History
1 change since Sep 8, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 8, 2026: 3.60% APYSep 18, 2026: 3.70% APYSep 8, 2026Oct 14, 2026
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 8, 20263.60%first recorded
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
6 Month CD Special with Active Account 3.64% 3.70% 6 months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 8, 2026: 3.70% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 8, 2026: 3.60% APYSep 8, 2026Oct 14, 2026
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
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 8, 2026: 3.55% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
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 10/07/2026
Rate History
1 change since Sep 8, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
2.65%3.28%3.90%Sep 8, 2026: 3.15% APYSep 18, 2026: 3.40% APYSep 8, 2026Oct 14, 2026
  • Sep 18, 20263.40%▲ from 3.15%
  • Sep 8, 20263.15%first recorded
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
12 Month CD Special Without Active Account 3.35% 3.40% 12 months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 8, 2026: 3.40% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
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 10/07/2026
Rate History
1 change since Sep 8, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 8, 2026: 3.00% APYSep 18, 2026: 3.25% APYSep 8, 2026Oct 14, 2026
  • Sep 18, 20263.25%▲ from 3.00%
  • Sep 8, 20263.00%first recorded
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
6 Month CD Special without Active Account 3.20% 3.25% 6 months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 8, 2026: 3.25% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 3.15% APY · checked 8 times
2.65%3.15%3.65%Sep 8, 2026: 3.15% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 8, 2026: 3.00% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 1.10% APY · checked 8 times
0.60%1.10%1.60%Sep 8, 2026: 1.10% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 1.05% APY · checked 8 times
0.55%1.05%1.55%Sep 8, 2026: 1.05% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.95% APY · checked 8 times
0.45%0.95%1.45%Sep 8, 2026: 0.95% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.80% APY · checked 8 times
0.30%0.80%1.30%Sep 8, 2026: 0.80% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%

Pathfinder Bank Savings Rates

Product Rate APY View More
Health Savings Account 0.30% 0.30%
Min Balance $100
Details Balance: $50,000 and over
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.30% APY · checked 8 times
0.00%0.40%0.80%Sep 8, 2026: 0.30% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Health Savings Account 0.30% 0.30%
Min Balance $50,000
Details Balance: $50,000 and over
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 18, 2026: 0.30% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Health Savings Account 0.25% 0.25%
Min Balance $100
Details Balance: $35,000 to $49,999
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 8, 2026: 0.25% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Health Savings Account 0.20% 0.20%
Min Balance $100
Details Balance: $20,000 to $34,999
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.20% APY · checked 8 times
0.00%0.35%0.70%Sep 8, 2026: 0.20% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Health Savings Account 0.15% 0.15%
Min Balance $100
Details Balance: $7,500 to $19,999
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 8, 2026: 0.15% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Holiday Club 0.15% 0.15%
Min Balance $0
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 8, 2026: 0.15% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Landlord Tenant Savings 0.15% 0.15%
Min Balance $300
Details Balance: $300 and over
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 8, 2026: 0.15% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Statement Savings 0.15% 0.15%
Min Balance $300
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 8, 2026: 0.15% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 8, 2026: 0.15% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 8, 2026: 0.10% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%

Pathfinder Bank Business Savings Rates

Product Rate APY View More
Business Savings 0.25% 0.25%
Min Balance $25,000
Details Balance: $25,000 and over
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 8, 2026: 0.25% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.20% APY · checked 8 times
0.00%0.35%0.70%Sep 8, 2026: 0.20% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Business Landlord Tenant Savings 0.15% 0.15%
Min Balance $300
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 8, 2026: 0.15% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 8, 2026: 0.15% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%

Pathfinder Bank Money Market Rates

Product Rate APY View More
Premier Money Market Deposit Account 6-Month Intro Rate 3.45% 3.50%
Min Balance $25,000
Details Minimum: $25,000 minimum
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 8, 2026: 3.50% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Money Market Account 2.72% 2.75%
Min Balance $250,000
Details Balance: $250,000 and over
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 7, 2026: 2.75% APYOct 7, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Premier Money Market Deposit Account 2.72% 2.75%
Min Balance $2,500
Details Balance: $250,000 and over
Last Updated 10/07/2026
Rate History
1 change since Sep 8, 2026 · 1.75% → 2.75% ▲ 1.00 pts · high 2.75% / low 1.75%
0.75%2.25%3.75%Sep 8, 2026: 1.75% APYSep 24, 2026: 2.75% APYSep 8, 2026Oct 14, 2026
  • Sep 24, 20262.75%▲ from 1.75%
  • Sep 8, 20261.75%first recorded
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Premier Money Market Deposit Account 2.72% 2.75%
Min Balance $250,000
Details Balance: $250,000 and over
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Money Market Account 1.74% 1.75%
Min Balance $100,000
Details Balance: $100,000 to $249,999
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Oct 7, 2026: 1.75% APYOct 7, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Premier Money Market Deposit Account 1.74% 1.75%
Min Balance $2,500
Details Balance: $100,000 to $249,999
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 1.75% APY · checked 8 times
1.25%1.75%2.25%Sep 8, 2026: 1.75% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Money Market Account 1.49% 1.50%
Min Balance $50,000
Details Balance: $50,000 to $99,999
Last Updated 10/07/2026
Rate History
1 change since Sep 8, 2026 · 0.30% → 1.50% ▲ 1.20 pts · high 1.50% / low 0.30%
0.00%1.35%2.70%Sep 8, 2026: 0.30% APYOct 7, 2026: 1.50% APYSep 8, 2026Oct 14, 2026
  • Oct 7, 20261.50%▲ from 0.30%
  • Sep 8, 20260.30%first recorded
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Premier Money Market Deposit Account 1.49% 1.50%
Min Balance $2,500
Details Balance: $50,000 to $99,999
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 1.50% APY · checked 8 times
1.00%1.50%2.00%Sep 8, 2026: 1.50% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Money Market Account 0.995% 1.00%
Min Balance $2,500
Details Balance: $2,500 to $49,999
Last Updated 10/07/2026
Rate History
1 change since Sep 8, 2026 · 0.20% → 1.00% ▲ 0.80 pts · high 1.00% / low 0.20%
0.00%0.90%1.80%Sep 8, 2026: 0.20% APYOct 7, 2026: 1.00% APYSep 8, 2026Oct 14, 2026
  • Oct 7, 20261.00%▲ from 0.20%
  • Sep 8, 20260.20%first recorded
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 8, 2026: 1.00% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Money Market Deposit Account 0.35% 0.35%
Min Balance $2,500
Details Balance: $75,000 and over
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.35% APY · checked 8 times
0.00%0.43%0.85%Sep 8, 2026: 0.35% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 18, 2026: 0.35% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Money Market Deposit Account 0.30% 0.30%
Min Balance $2,500
Details Balance: $50,000 to $74,999
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.30% APY · checked 8 times
0.00%0.40%0.80%Sep 8, 2026: 0.30% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 18, 2026: 0.30% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Money Market Deposit Account 0.25% 0.25%
Min Balance $2,500
Details Balance: $10,000 to $49,999
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 8, 2026: 0.25% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.20% APY · checked 8 times
0.00%0.35%0.70%Sep 8, 2026: 0.20% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%

Pathfinder Bank Business Money Market Rates

Product Rate APY View More
Executive Business Money Market Deposit Account 1.44% 1.45%
Min Balance $250,000
Details Balance: $250,000 and over
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 1.45% APY · checked 8 times
0.95%1.45%1.95%Sep 8, 2026: 1.45% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 1.30% APY · checked 8 times
0.80%1.30%1.80%Sep 8, 2026: 1.30% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.95% APY · checked 8 times
0.45%0.95%1.45%Sep 8, 2026: 0.95% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.55% APY · checked 8 times
0.05%0.55%1.05%Sep 8, 2026: 0.55% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.45% APY · checked 8 times
0.00%0.48%0.95%Sep 8, 2026: 0.45% APYSep 8, 2026Oct 14, 2026
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 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.35% APY · checked 8 times
0.00%0.43%0.85%Sep 8, 2026: 0.35% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%

Pathfinder Bank Checking Rates

Product Rate APY View More
IOLA Checking 2.40% 2.43%
Min Balance $100
Details Balance: $100 and over
Last Updated 10/07/2026
Rate History
1 change since Sep 8, 2026 · 2.25% → 2.43% ▲ 0.18 pts · high 2.43% / low 2.25%
1.75%2.34%2.93%Sep 8, 2026: 2.25% APYOct 7, 2026: 2.43% APYSep 8, 2026Oct 14, 2026
  • 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%
Premier Checking 0.65% 0.65%
Min Balance $500
Details Balance: $25,000 and over
Last Updated 10/07/2026
Rate History
1 change since Sep 8, 2026 · 0.05% → 0.65% ▲ 0.60 pts · high 0.65% / low 0.05%
0.00%0.63%1.25%Sep 8, 2026: 0.05% APYOct 7, 2026: 0.65% APYSep 8, 2026Oct 14, 2026
  • Oct 7, 20260.65%▲ from 0.05%
  • Sep 8, 20260.05%first recorded
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Estate Checking 0.15% 0.15%
Min Balance $100
Details Balance: $100 and over
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 8, 2026: 0.15% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Premier Checking 0.15% 0.15%
Min Balance $500
Details Balance: $10,000 to $24,999
Last Updated 10/07/2026
Rate History
1 change since Sep 8, 2026 · 0.05% → 0.15% ▲ 0.10 pts · high 0.15% / low 0.05%
0.00%0.33%0.65%Sep 8, 2026: 0.05% APYOct 7, 2026: 0.15% APYSep 8, 2026Oct 14, 2026
  • Oct 7, 20260.15%▲ from 0.05%
  • Sep 8, 20260.05%first recorded
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Premier Checking 0.05% 0.05%
Min Balance $500
Details Balance: $500 to $9,999
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 8, 2026: 0.05% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%

Pathfinder Bank Business Checking Rates

Product Rate APY View More
Business IOLA Checking 2.40% 2.43%
Min Balance $100
Last Updated 10/07/2026
Rate History
1 change since Sep 8, 2026 · 2.25% → 2.43% ▲ 0.18 pts · high 2.43% / low 2.25%
1.75%2.34%2.93%Sep 8, 2026: 2.25% APYOct 7, 2026: 2.43% APYSep 8, 2026Oct 14, 2026
  • 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
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 8, 2026: 0.50% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Business Estate Checking 0.15% 0.15%
Min Balance $100
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 8, 2026: 0.15% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Analyzed Business Checking 0.10% 0.10%
Min Balance $10,000
Details Balance: $10,000 and over
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 8, 2026: 0.10% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Analyzed Business Checking 0.07% 0.07%
Min Balance $5,000
Details Balance: $5,000 to $9,999
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.07% APY · checked 8 times
0.00%0.29%0.57%Sep 8, 2026: 0.07% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Analyzed Business Checking 0.03% 0.03%
Min Balance $100
Details Balance: $100 to $4,999
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.03% APY · checked 8 times
0.00%0.27%0.53%Sep 8, 2026: 0.03% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%

Pathfinder Bank Other Rates

Product Rate Points APY/APR Term View More
Executive Business MMDA 0.35% - 0.35%
Min Balance $2,500
Details Balance: $2,500 to $9,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 18, 2026: 0.35% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Executive Business MMDA 0.45% - 0.45%
Min Balance $10,000
Details Balance: $10,000 to $24,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.45% APY · checked 7 times
0.00%0.48%0.95%Sep 18, 2026: 0.45% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Executive Business MMDA 0.55% - 0.55%
Min Balance $25,000
Details Balance: $25,000 to $49,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.55% APY · checked 7 times
0.05%0.55%1.05%Sep 18, 2026: 0.55% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Executive Business MMDA 0.95% - 0.95%
Min Balance $50,000
Details Balance: $50,000 to $74,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 7 times
0.45%0.95%1.45%Sep 18, 2026: 0.95% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Executive Business MMDA 1.29% - 1.30%
Min Balance $75,000
Details Balance: $75,000 to $249,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.30% APY · checked 7 times
0.80%1.30%1.80%Sep 18, 2026: 1.30% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Executive Business MMDA 1.44% - 1.45%
Min Balance $250,000
Details Balance: $250,000 and over
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.45% APY · checked 7 times
0.95%1.45%1.95%Sep 18, 2026: 1.45% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Free Kasasa Cash Checking 3.93% - 4.00%
Min Deposit $100
Details Qualifications Required: 12 debit card purchases; 1 direct deposit, ACH payment, ACH credit, or bill pay transaction; enrolled in and agree to receive eStatements
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 8, 2026: 4.00% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
High Yield Business MMDA Promo 0.40% - 0.40%
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
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 18, 2026: 0.40% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
High Yield Business MMDA Promo 1.14% - 1.15%
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
Last Updated 10/07/2026
Rate History
1 change since Sep 18, 2026 · 1.39% → 1.15% ▼ 0.24 pts · high 1.39% / low 1.15%
0.65%1.27%1.89%Sep 18, 2026: 1.39% APYOct 7, 2026: 1.15% APYSep 18, 2026Oct 14, 2026
  • 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 Balance $250,000
Details Published APY range: 1.50%/2.50%; Published rate range: 1.49%/2.47%. Balance: $250,000 to $499,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
High Yield Business MMDA Promo 1.98% - 2.00%
Min Balance $500,000
Details Published APY range: 2.00%/3.00%; Published rate range: 1.98%/2.96%. Balance: $500,000 and over
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Kasasa Cash Checking 3.93% - 4.00%
Min Deposit $100
Min Balance $30,000
Details Qualifications Required: At least one (1) ACH credit or ACH payment transaction(s); at least twelve (12) debit card purchases; enrolled in and agreed to receive e-statements.; 4.00% to 1.31 APY on balances over $30,000 depending on balance in account; 0.05% APY if qualifications aren't met. Up to $25 per month in ATM withdrawal fee reimbursements.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Kasasa Cash Checking 3.93% - 4.00%
Min Balance $0
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 to $30,000
Last Updated 10/07/2026
Rate History
2 changes since Sep 8, 2026 · 4.00% → 4.00% ▼ 0.00 pts · high 4.00% / low 0.05%
0.00%3.98%7.95%Sep 8, 2026: 4.00% APYSep 24, 2026: 0.05% APYOct 7, 2026: 4.00% APYSep 8, 2026Oct 14, 2026
  • 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%
Kasasa Cash Checking 0.05% - 0.05%
Min Balance $0
Details All balances if qualifications not met
Last Updated 10/07/2026
Rate History
1 change since Sep 8, 2026 · 4.00% → 0.05% ▼ 3.95 pts · high 4.00% / low 0.05%
0.00%3.98%7.95%Sep 8, 2026: 4.00% APYSep 24, 2026: 0.05% APYSep 8, 2026Oct 14, 2026
  • 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%
Kasasa Saver Savings 0.995% - 1.00%
Min Balance $0
Details Balance: $0 to $30,000
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 8, 2026: 1.00% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Kasasa Saver Savings 0.25% - 0.25%
Min Balance $0
Details Balance: $30,001 and over
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 8, 2026: 0.25% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Kasasa Saver Savings 0.05% - 0.05%
Min Balance $0
Details All balances if qualifications not met
Last Updated 10/07/2026
Rate History
No change since Sep 8, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 8, 2026: 0.05% APYSep 8, 2026Oct 14, 2026
Institution Ratings
3.6
Star Rating
C-
Health Grade
◈ Texas Ratio: 31.30%
Kasasa Saver Savings 0.25% - 0.25%
Min Balance $30,001
Details Balance: $30,001 and over
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 14, 2026
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.
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.
Powered by MonitorBankRates

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.

0% 1.0★ 11% 2.0★ 22% 3.0★ 33% 4.0★ 45% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 12.18% A Q3 2023 A Q4 2023 A Q1 2024 B+ Q2 2024 A Q3 2024 A- Q4 2024 A Q1 2025 A Q2 2025 A- Q3 2025 B Q4 2025 D Q1 2026 31.30% C- 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$1.5B31.30%3.6C-
March 31, 2026$1.4B33.06%3.5D
December 31, 2025$1.4B19.82%4.6B
September 30, 2025$1.5B16.07%4.9A-
June 30, 2025$1.5B8.08%5.0A
March 31, 2025$1.5B8.95%5.0A
December 31, 2024$1.5B15.40%5.0A-
September 30, 2024$1.5B11.24%5.0A
June 30, 2024$1.4B16.88%4.8B+
March 31, 2024$1.4B13.70%5.0A
December 31, 2023$1.5B12.32%5.0A
September 30, 2023$1.4B12.18%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 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
31.30%
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

Customer Reviews

There are no reviews for Pathfinder Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Pathfinder Bank
Your Name:
Your Rating:

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.

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%
  • MMA3.50%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

All Capital Bank Ambler Savings Bank F&M Bank of South Carolina KSB Kansas State Bank FNB of Blanchester Citizens Bank (Corvallis, OR) FSB Nashua, IA Tristate Capital Bank Gunnison S&L Gateway First Bank FNB of Okawville Farmers B&T Co. Blytheville, AR International Bank of Commerce Bank of Colorado Principal Bank Pioneer Trust Bank Midwest Bank Detroit Lakes, MN Farmers National Bank of Canfield Esquire Bank, National Association Prime Meridian Bank Bank of Alapaha