Located in Clayton, NY, Carthage Savings has provided quality banking and loan services to Jefferson and Lewis counties since 1888. A customer-owned "mutual" association, we operate similarly to a credit union, though we pay taxes that in turn support our community. We focus on serving our customers’ best interests by offering online and mobile banking, as well as many options for the types of accounts you can open and loans available. The Certificates of Deposit saving account offers a fixed rate and concrete terms to provide a risk-free investment, and our Individual Retirement accounts allow you to save in a way that works best for you. Our loan options include home mortgages, seasonal home mortgages, and VA mortgages.