Bank · FDIC insured
Massena Savings & Loan Association Savings Rates
Massena Savings & Loan Association’s best savings rate is 0.51% APY on $10,000, with its Money Market Savings Account. Rates checked October 16, 2026.
How Massena Savings & Loan Association’s savings 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
0.51%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $51
Money Market Savings Account
Top rate
North Country Savings Bank
3.56%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $356
2nd-highest rate
Adirondack Federal Credit Union
1.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $125
Massena Savings & Loan Association savings score
79
Savings score
Higher than 50% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.51%
- $100,000 balance$100,0000.51%
- QualifiedQualified0.51%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Savings Account
Up to 0.51%APY
Interest compounded and credited on a quarterly basis. Daily Balance Method is used. Note that commercial accounts do not have tiers and do not earn interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTier 3 of tiered rates. Minimum ledger balance of $2,500 required to obtain disclosed interest rate/APY.Any balance | 0.51% | $51 | Tier 3 of tiered rates. Minimum ledger balance of $2,500 required to obtain disclosed interest rate/APY. |
| Any balanceTier 2 of tiered rates. Minimum ledger balance of $2,500 required to obtain disclosed interest rate/APY.Any balance | 0.25% | $25 | Tier 2 of tiered rates. Minimum ledger balance of $2,500 required to obtain disclosed interest rate/APY. |
| Any balanceTier 1 of tiered rates. Minimum ledger balance of $2,500 required to obtain disclosed interest rate/APY.Any balance | 0.00% | $0 | Tier 1 of tiered rates. Minimum ledger balance of $2,500 required to obtain disclosed interest rate/APY. |
Sources (2)
All captured Oct 16, 2026
Regular Savings Account
0.10%APY
Interest is compounded and credited calendar quarterly. Variable rate account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.10% | $10 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Savings
0.51%APY
Traditional/Roth IRA variable rate savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.51% | $51 |
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.