FINANCE LOANS RATES REPOSSESSED ASSETS ABOUT Online Banking Log in to view your account or pay a bill. LOGIN NOW Loans 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 Home Equity Lines of Credit HELC, 5 year renewable Passbook-Certificate Notes Demand Consumer Loans Home Improvement Auto Other Customer Service Massena (Main) Branch 315-764-0541 Waddington Branch 315-388-4970 After Hours Online Banking Support 1-866-987-8311 Lost/Stolen Debit Card 1-833-337-6075 Debit Card Fraud Reporting 1-877-253-8964 Debit Card Activation 1-800-992-3808 CONTACT US Massena Branch 255 Main Street Massena, NY 13662 Phone: 315.764.0541 Fax: 315.769.6542 Hours: 8:30AM - 5PM Monday - Friday Waddington Branch 155 Lincoln Avenue P.O. Box 780 Waddington, NY 13694 Phone: 315.388.4970 Fax: 315.388.4973 Hours: 8:30AM - 5PM Monday - Friday Copyright Massena Savings & Loan. Site by GARRANT.