Bank · FDIC insured
Massena Savings & Loan Association CD Rates
Massena Savings & Loan Association’s best CD rate is 4.90% APY on a 3-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Massena Savings & Loan Association’s CD rates compare
Compared with banks and credit unions near Massena, NY, where Massena Savings & Loan Association has the most branches. $10,000, best rate first.
This bank’s best
Massena Savings & Loan Association
4.90%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,543
Fixed Rate Certificates
2nd-highest rate
Northern Credit Union
4.25%APY
- Term
- 10 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $353
3rd-highest rate
NBT Bank
4.00%APY
- Term
- 4 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $132
Massena Savings & Loan Association CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo1.02%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.86%
- 31–60 months31–60 mo4.90%
- QualifiedQualified4.90%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Massena Savings & Loan Association ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Fixed Rate Certificates
Up to 4.90%APY · 6 terms
Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 1.02% | 1.02% | $51 |
| 12 months | 3.60% | — | 3.60% | $360 |
| 24 months | 3.86% | — | 3.86% | $787 |
| 36 months | 4.90% | — | 4.90% | $1,543 |
| 48 months | 4.38% | — | 4.38% | $1,871 |
| 60 months | 4.64% | — | 4.64% | $2,546 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Traditional/Roth IRA Accounts CD
Up to 4.90%APY · 5 terms
Traditional and Roth IRA certificates. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.60% | $360 |
| 24 months | 3.86% | $787 |
| 36 months | 4.90% | $1,543 |
| 48 months | 4.38% | $1,871 |
| 60 months | 4.64% | $2,546 |
Sources (1)
- massenasavingsloan.com/pages/deposit-rates · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.