Bank · FDIC insured
Seneca Savings
A $312.5M bank headquartered in Baldwinsville, NY, with 5 branches in New York. Best rates: CDs 4.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no rate at the amounts we compare. Savings: rates are not published online. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs—4.25%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Seneca Savings
Seneca Savings Bank, N.A. is based in Baldwinsville, New York, and has been trusted for over 95 years.
- Headquarters
- 35 Oswego St, Baldwinsville, NY 13027
- FDIC certificate
- 29496 ↗
Branches
5 branches in New York
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New York
5 branches
Baldwinsville area · 1
- Seneca Savings Bank, National AssociationMain office35 Oswego St, Baldwinsville, NY 13027Directions
Bridgeport area · 1
- Bridgeport584 Route 31, Bridgeport, NY 13030Directions
Liverpool area · 1
- Oswego Road Branch7799 Oswego Rd, Liverpool, NY 13090Directions
Manlius area · 1
- Seneca Savings Branch325 Fayette St, Manlius, NY 13104Directions
North Syracuse area · 1
- 201 N Main Street Branch201 N Main St, North Syracuse, NY 13212Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.84% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.12% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.19% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $97 | $81 | — |
- CapitalLeverage ratio9.84%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.12%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.19%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$97Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Seneca Savings are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.