Massena Savings & Loan


Building a solid future is no small undertaking, and you may need a hand. Massena Savings & Loan is here to help you get from here to there. We have several types of loans to meet your needs, including:

Conventional Real Estate Mortgages

  • 1 year ARM*, 0-25 years available
  • 3 year ARM*, 0-25 years available
  • 5 year ARM*, 0-25 years available
  • Fixed Rate, 15 years
  • Fixed Rate, 20 years
  • Fixed Rate, 25 years

*Adjustable Rate Mortgage

Rates and terms for Real Estate Mortgages

Home Equity Lines of Credit

  • HELC, 5 year renewable

Rates and terms for Home Equity Lines of Credit

Passbook-Certificate Notes

  • Demand

Rates and terms for Passbook-Certificate Notes

Consumer Loans

  • Home Improvement
  • Auto
  • Other

Rates and terms for Consumer Loans

Customer Service

Massena (Main) Branch

Waddington Branch

After Hours Online Banking Support

Lost/Stolen Debit Card

Debit Card Fraud Reporting

Debit Card Activation

Contact Us
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