Bank · FDIC insured
Pathfinder Bank Savings Rates
Pathfinder Bank’s best savings rate is 0.25% APY on $10,000, with its Personal Money Market Deposit Account. Rates checked October 16, 2026.
How Pathfinder Bank’s savings rates compare
Compared with banks and credit unions near Syracuse, NY, where Pathfinder Bank has the most branches. $10,000, best rate first.
This bank’s best
Pathfinder Bank
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $100
Free Kasasa Saver® Account
Top rate
Canandaigua National Bank
3.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $315
2nd-highest rate
Ukrainian Federal Credit Union
2.02%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $202
Pathfinder Bank savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0003.50%
- QualifiedQualified1.00%
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 Pathfinder Bank 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.
Premier Money Market Deposit Account
1.00%APY
Requires a minimum opening deposit of $25,000 consisting of funds not currently on deposit with Pathfinder Bank, funds transferred from a maturing Pathfinder Bank certificate of deposit, or a combination of both totaling at least $25,000. Must maintain a minimum daily balance of $2,500 to accrue interest. Monthly maintenance fee of $20 applies if minimum daily balance falls below $2,500 any day during the month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $49,999Standard variable tiered rate. $20 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month. | 1.00% | $100 | Standard variable tiered rate. $20 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month. |
| $25,000 and upIntroductory rate applies for 6 months from account opening on full balance for new Premier Money Market accounts opened with a minimum of $25,000 in new money or funds transferred from a maturing Pathfinder Bank CD. After the 6-month introductory period, the account earns standard variable tiered rates. $20 monthly fee waived if minimum daily balance remains at or above $2,500 every day during the month. | 3.50% | — | Introductory rate applies for 6 months from account opening on full balance for new Premier Money Market accounts opened with a minimum of $25,000 in new money or funds transferred from a maturing Pathfinder Bank CD. After the 6-month introductory period, the account earns standard variable tiered rates. $20 monthly fee waived if minimum daily balance remains at or above $2,500 every day during the month. |
| $50,000 – $99,999Standard variable tiered rate. $20 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month. | 1.50% | — | Standard variable tiered rate. $20 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month. |
| $100,000 – $249,999Standard variable tiered rate. $20 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month. | 1.75% | — | Standard variable tiered rate. $20 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month. |
| $250,000 and upStandard variable tiered rate. $20 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month. | 2.75% | — | Standard variable tiered rate. $20 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month. |
Free Kasasa Saver® Account
Up to 1.00%APY
Links to Kasasa Cash or Kasasa Cash Back checking account. Must meet monthly qualification cycle requirements (at least 12 debit card purchases, at least 1 direct deposit/ACH payment/ACH credit/bill pay, and enrolled in eStatements) to earn higher tiered APY. Limit 1 account per Social Security Number.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $30,000Qualifications met: at least 12 debit card purchases; at least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction; enrolled in and agree to receive eStatements. | 1.00% | $100 | Qualifications met: at least 12 debit card purchases; at least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction; enrolled in and agree to receive eStatements. |
| Any balanceBase rate applied to entire average daily balance if qualifications are not met during Monthly Qualification Cycle. | 0.05% | $5 | Base rate applied to entire average daily balance if qualifications are not met during Monthly Qualification Cycle. |
| Over $30,000Qualifications met on the portion of balance over $30,000, resulting in an APY range depending on balance. | 0.25% | — | Qualifications met on the portion of balance over $30,000, resulting in an APY range depending on balance. |
Personal Money Market Deposit Account
0.25%APY
Must deposit $2,500 to open account and accrue interest. Monthly maintenance fee of $10 applies if minimum daily balance falls below $2,500 any day during the month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999$10 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month. | 0.20% | — | $10 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month. |
| $10,000 – $49,999$10 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month. | 0.25% | $25 | $10 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month. |
| $50,000 – $74,999$10 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month. | 0.30% | — | $10 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month. |
| $75,000 and up$10 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month. | 0.35% | — | $10 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month. |
Statement Savings
0.15%APY
Can be used as overdraft protection. Unlimited in-person withdrawals. $300 minimum balance required to waive $5 monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upEarns interest on balances over $300 (or $300+). $300 minimum balance to waive $5 monthly service fee.$300 and up | 0.15% | $15 | Earns interest on balances over $300 (or $300+). $300 minimum balance to waive $5 monthly service fee. |
Special-purpose accounts
Health Savings Account (HSA)
0.15%APY
For individuals covered under a qualified high-deductible health plan (HDHP), not covered by another health plan, cannot be claimed as dependent, and not enrolled in Medicare. One-time $25 setup fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $7,499One-time $25 setup fee. | 0.10% | — | One-time $25 setup fee. |
| $7,500 – $19,999One-time $25 setup fee. | 0.15% | $15 | One-time $25 setup fee. |
| $20,000 – $34,999One-time $25 setup fee. | 0.20% | — | One-time $25 setup fee. |
| $35,000 – $49,999One-time $25 setup fee. | 0.25% | — | One-time $25 setup fee. |
| $50,000 and upOne-time $25 setup fee. | 0.30% | — | One-time $25 setup fee. |
Holiday Club
0.15%APY
Funds disbursed at end of club period (50 weeks) to Pathfinder Bank account. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Must maintain a minimum balance equal to the first deposit made in order to receive disclosed APY. Funds disbursed 50 weeks after opening.Over $0 | 0.15% | $15 | Must maintain a minimum balance equal to the first deposit made in order to receive disclosed APY. Funds disbursed 50 weeks after opening. |
Statement IRA Savings
0.15%APY
Traditional, Roth, and SEP IRA plans available. No setup fees and no monthly or annual maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upTraditional, Roth, and SEP IRA retirement plans.$5 and up | 0.15% | $15 | Traditional, Roth, and SEP IRA retirement plans. |
Young Investor
0.15%APY
For minors up to 18 years old; adults can open account for newborns. No monthly service fee and no minimum balance requirement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upEarns interest on balances over $5.$5 and up | 0.15% | $15 | Earns interest on balances over $5. |
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.