Lender profile
Massena Savings and Loan
Lender Live rate observations
Massena Savings and Loan at a glance
Massena Savings and Loan is a lender based in New York. LoanMate.ai tracks 28 published loan products from Massena Savings and Loan (28 rate listings), last verified 2026-10-17. Its lowest published rate today is 5.5% on Secured personal loan. Its 3/1 ARM rate of 6.75% is 0.75 points above the national median of 6% (across 16 lenders publishing that product). Massena Savings and Loan lends in New York only.
Purchase mortgage (23)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 3/1ARM | 6.75 | — | 0 | — | 2026-10-17 | Lender source ↗ |
| 5/1ARM | 6.75 | — | 0 | — | 2026-10-17 | Lender source ↗ |
| 5FP | 6.80 | — | 0 | — | 2026-10-17 | Lender source ↗ |
| 6FP | 6.84 | — | — | — | 2026-10-17 | Lender source ↗ |
| 7FP | 6.89 | — | — | — | 2026-10-17 | Lender source ↗ |
| 8FP | 6.94 | — | — | — | 2026-10-17 | Lender source ↗ |
| 9FP | 6.98 | — | — | — | 2026-10-17 | Lender source ↗ |
| 10FP | 7.03 | — | 0 | — | 2026-10-17 | Lender source ↗ |
| 11FP | 7.08 | — | — | — | 2026-10-17 | Lender source ↗ |
| 12FP | 7.12 | — | — | — | 2026-10-17 | Lender source ↗ |
| 13FP | 7.17 | — | — | — | 2026-10-17 | Lender source ↗ |
| 14FP | 7.22 | — | — | — | 2026-10-17 | Lender source ↗ |
| 15FP | 7.25 | — | 0 | — | 2026-10-17 | Lender source ↗ |
| 16FP | 7.3 | — | — | — | 2026-10-17 | Lender source ↗ |
| 17FP | 7.34 | — | — | — | 2026-10-17 | Lender source ↗ |
| 18FP | 7.39 | — | — | — | 2026-10-17 | Lender source ↗ |
| 19FP | 7.44 | — | — | — | 2026-10-17 | Lender source ↗ |
| 20FP | 7.50 | — | 0 | — | 2026-10-17 | Lender source ↗ |
| 21FP | 7.55 | — | — | — | 2026-10-17 | Lender source ↗ |
| 22FP | 7.59 | — | — | — | 2026-10-17 | Lender source ↗ |
| 23FP | 7.65 | — | — | — | 2026-10-17 | Lender source ↗ |
| 24FP | 7.7 | — | — | — | 2026-10-17 | Lender source ↗ |
| 25FP | 7.75 | — | 0 | — | 2026-10-17 | Lender source ↗ |
Auto loan (3)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-72 | — | 5.75 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-60 | — | 7.75 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-48 | — | 8.5 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-SEC | — | 5.50 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 18.25 | — | — | 2026-10-17 | Lender source ↗ |
How Massena Savings and Loan compares
Compare all purchase mortgage rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in New York
Compare with: Access, Adirondack Regional, Adirondack Trust Company, Allegany First
Common questions
What is the lowest published rate at Massena Savings and Loan?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Massena Savings and Loan is 5.5% on its Secured personal loan. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Massena Savings and Loan lend?
Massena Savings and Loan lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Massena Savings and Loan's 3/1 ARM rate compare nationally?
Massena Savings and Loan publishes 3/1 ARM at 6.75%. The national median for that product is 6% across 16 lenders in LoanMate.ai's October 17, 2026 dataset, so Massena Savings and Loan is 0.75 points above the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.