Exhibit 31.2

Certification of Chief Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

I, Christina L. Maier, certify that:

1. I have reviewed this Amendment No. 1 to the Annual Report on Form 10-K/A of Carver Bancorp, Inc.; and

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report.

Date:	July 29, 2025	/s/ Christina L. Maier
		Christina L. Maier
		First Senior Vice President and Chief Financial Officer