Chemung Canal Trust Company
Chemung Canal Trust Company is an FDIC insured institution headquartered at
1 Chemung Canal Plz, Elmira, NY 14901.
It was founded in
1833 and has approximately $3 billion in assets. Customers can open an account at one of its 35 branches.
Deposit Rates - December 05, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.02% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.10% | $10,000 | Compare |
|
6 Mo CD
|
0.10% | $100,000 | Compare |
|
12 Mo CD
|
0.20% | $10,000 | Compare |
|
12 Mo CD
|
0.20% | $100,000 | Compare |
|
18 Mo CD
|
0.20% | $10,000 | Compare |
|
18 Mo CD
|
0.20% | $100,000 | Compare |
|
24 Mo CD
|
0.35% | $10,000 | Compare |
|
24 Mo CD
|
0.35% | $100,000 | Compare |
|
30 Mo CD
|
0.35% | $10,000 | Compare |
|
30 Mo CD
|
0.35% | $100,000 | Compare |
|
36 Mo CD
|
0.45% | $10,000 | Compare |
|
36 Mo CD
|
0.45% | $100,000 | Compare |
|
48 Mo CD
|
0.55% | $10,000 | Compare |
|
48 Mo CD
|
0.55% | $100,000 | Compare |
|
60 Mo CD
|
0.60% | $10,000 | Compare |
|
60 Mo CD
|
0.60% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.05% | $2,500 | Compare |
|
Money Market
|
0.02% | $2,500 | Compare |
|
Money Market
|
0.05% | $10,000 | Compare |
|
Money Market
|
0.02% | $10,000 | Compare |
|
Money Market
|
0.10% | $25,000 | Compare |
|
Money Market
|
0.03% | $25,000 | Compare |
| PREMM RATES | APY | MIN | |
|---|---|---|---|
|
Premium Money Market
|
0.05% | $10,000 | Compare |
|
Premium Money Market
|
0.07% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.02% | $2,500 |
Loan Rates - December 05, 2025
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
15 Year Fixed Conforming
|
6.66% | $2,787.54 |
|
30 Year Fixed Jumbo
|
6.41% | $1,996.38 |
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
|
30 Year Fixed Conforming
|
7.09% | $2,128.97 |
|
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
15 Year Fixed Conforming
|
5.78% | $2,593.49 |
|
30 Year Fixed Jumbo
|
6.41% | $1,996.38 |
|
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
|
30 Year Fixed Conforming
|
7.09% | $2,128.97 |
|
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
8.50% | Varies | ||
Compare with 0 RATE Line of Credit from PenFed Credit Union
|
||||
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan
|
||||
Compare with 7.25 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
|
5 Year Loan
|
5.88% | $1,887.12 | ||
|
10 Year Loan
|
6.13% | $1,085.26 | ||
|
15 Year Loan
|
6.63% | $857.42 | ||
| AUTO LOAN RATES | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
3 Year
|
5.50% | $754.90 |
|
4 Year
|
5.50% | $581.41 |
|
5 Year
|
5.75% | $480.42 |
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 597 |
| Date Established | 1833 |
| Assets | $ 2.85 billion |
| Loans | $ 2.11 billion |
| Deposits | $ 2.48 billion |
| Capital | $ 266.54 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 320.05 million |
| Interest-bearing balances | $ 284.23 million |
| Total securities | $ 290.82 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 2.11 billion |
| Loan loss allowance | $ 22.67 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.06 million |
| Goodwill and other intangibles | $ 22.27 million |
| All other assets | $ 75.90 million |
| Total Assets | $ 2.58 billion |
| LIABILITIES | |
| Total deposits | $ 2.48 billion |
| Interest-bearing deposits | $ 1,855.42 million |
| Deposits held in domestic offices | $ 2.48 billion |
| % insured (estimated)" | 72.04% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 49.33 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 43.31 millionn |
| Total Liabilities | $ 2.58 billion |
| Shareholders’ Equity | $ 266.54 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 64.73 million |
| Total Interest Expense | $ 23.90 million |
| Net interest income | $ 40.83 million |
| Provision for loan and lease losses | $ 2.24 million |
| Total non interest income | $ 12.11 million |
| Total non interest expense | $ 33.95 million |
| Pre-tax Net Operating Income | $ 19.06 million |
Customer Reviews for Chemung Canal Trust Company
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