Watertown, New York (NY) Savings Rates - March 2026
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The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for Watertown, New York and the surrounding area include Northern Credit UnionNorthern Credit Union138 Factory St, Watertown, NY 13601 1958A5.0 ★Texas Ratio: 6.98% NEXT eSavings at 5.00% APY, AmeriCU Credit UnionAmeriCU Credit Union871 Arsenal St, Watertown, NY 13601 2345A-4.9 ★Texas Ratio: 16.15% Health Savings Accounts at 1.50% APY, State CS Employees Federal Credit UnionState CS Employees Federal Credit UnionDulles State Office Building, WATERTOWN, NY 13601A+5.0 ★Texas Ratio: 5.81% Savings Accounts at 0.40% APY, Carthage Savings and LoanCarthage Savings and Loan146 Arsenal St, Watertown, NY 13601A+5.0 ★Texas Ratio: 0.87% Statement Savings at 0.10% APY, and WSB Municipal BankWSB Municipal Bank111 Clinton St, Watertown, NY 13601A+5.0 ★Texas Ratio: 0.00% Health Savings Account (HSA) at 0.10% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Watertown, New York, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Watertown, New York (NY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Watertown, New York and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Watertown, New York & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
NEXT eSavings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $1,000.00
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
High Yield Savings
2.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
High Yield Savings
1.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
871 Arsenal St, Watertown, NY 13601 2345
Health Savings Accounts
1.50%
$100,000
▼
Rate1.49%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
871 Arsenal St, Watertown, NY 13601 2345
Health Savings Accounts
1.40%
$50,000
▼
Rate1.39%
Min Deposit$50,000
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
871 Arsenal St, Watertown, NY 13601 2345
Health Savings Accounts
1.30%
$10,000
▼
Rate1.29%
Min Deposit$10,000
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
871 Arsenal St, Watertown, NY 13601 2345
Health Savings Accounts
1.20%
$5,000
▼
Rate1.19%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
871 Arsenal St, Watertown, NY 13601 2345
Health Savings Accounts
1.10%
$2,500
▼
Rate1.09%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
871 Arsenal St, Watertown, NY 13601 2345
Health Savings Accounts
1.00%
$25
▼
Rate1.00%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
High Yield Savings
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
High Yield Savings
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Dulles State Office Building, WATERTOWN, NY 13601
Savings Accounts
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Dulles State Office Building, WATERTOWN, NY 13601
Savings Accounts
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Dulles State Office Building, WATERTOWN, NY 13601
Savings Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
Smart S.T.A.R.T. Savings
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
Basic Savings Account NY
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
Christmas and Vacation Club Savings
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
Basic Savings Account NY
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
Christmas and Vacation Club Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
Easy Savings Account NY
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
Smart S.T.A.R.T. Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
Easy Savings Account NY
0.14%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
871 Arsenal St, Watertown, NY 13601 2345
Stars and Stripes Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
Business Savings Account NY
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Dulles State Office Building, WATERTOWN, NY 13601
Savings Accounts
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
871 Arsenal St, Watertown, NY 13601 2345
Rising Stars Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
871 Arsenal St, Watertown, NY 13601 2345
Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
Christmas and Vacation Club Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
Basic Savings Account NY
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Carthage Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
146 Arsenal St, Watertown, NY 13601
Statement Savings
0.10%
$10
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedMar 25, 2026
Details
WSB Municipal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 Clinton St, Watertown, NY 13601
Health Savings Account (HSA)
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
WSB Municipal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 Clinton St, Watertown, NY 13601
Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
Easy Savings Account NY
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
WSB Municipal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 Clinton St, Watertown, NY 13601
Health Savings Account (HSA)
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
Teen Savings
10.00%
$0
▼
Rate9.57%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Qualifying balance up to $6000
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1490 Franklin Ave, Mineola, NY 11501 4801
Youth/Teen/Milestone Savings
5.09%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $1,000.00
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Savings & Banking
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Banking & Savings
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Open a fee-free bank account and a high-yield savings account for teens 13-17.; Earn 5.00% APY1 on savings balances from $1.01 to $10,000
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
425 Main St, Catskill, NY 12414
e-BUSINESS SAVINGS
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $500.00
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
425 Main St, Catskill, NY 12414
e-SAVINGS
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $500.00
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
425 Main St, Catskill, NY 12414
Student e-Next Generation Savings
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $100.00
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
425 Main St, Catskill, NY 12414
e-BUSINESS SAVINGS
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $500.00
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
425 Main St, Catskill, NY 12414
e-SAVINGS
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $500.00
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
425 Main St, Catskill, NY 12414
Student e-Next Generation Savings
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $100.00
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Apple Bank SmartStart Savings Account
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000.00
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Savings
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Savings for Teens
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000.00
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Savings for Young Adults
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Savings for Youth
5.00%
$1
▼
Rate4.88%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Apple Bank SmartStart Savings pays 12x the national average2 on balances from $1.01 to $10,000.
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
High Yield Online Savings
4.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
Money Market Accounts & High Yield Savings
4.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
Personal High Yield Savings
4.20%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
High Yield Online Savings Account
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
High Yield Savings
4.00%
$5,000
▼
Rate3.92%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details
**Exclusive online**
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
Performance® Savings
3.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Sterling Bank and Trust, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
3902 Main St, Flushing, NY 11354
EverBank Performance® Savings
3.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
New account APY3; This account is not available to open through our financial centers; it can only be opened online or by calling our client solutions team.
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
5503 8th Ave, Brooklyn, NY 11220
New Year Flexible Savings Account
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Terms and Conditions apply.
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
2000 Westchester Ave, Purchase, NY 10577
Premium Savings Account
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Boosted Rate: 3.75% for 6 months ($0+)
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
Savings & IRA Savings
3.75%
$25
▼
Rate3.68%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
My Reserve Savings Account
3.75%
$0
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
New Money Only
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Watertown, NY Savings Rate Trends
Compare local Watertown, NY savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — NY Avg
1.272%
▼ 0.487 from last week
New York high-yield savings rates fell 0.487 points this week to 1.272% APY, down from 1.760% last week.
Standard Savings — NY Avg
0.810%
▲ 0.167 from last week
New York standard savings rates rose 0.167 points this week to 0.810% APY, up from 0.642% last week.
As of Mar 28, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Watertown, New York directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Watertown, New York. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in NY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Watertown, New York
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in New York, help your money grow faster through a higher APY.
Are savings accounts in Watertown, New York safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in New York up to $250,000 per depositor, per institution.
How often do savings rates change in Watertown, New York?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local New York rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Watertown, New York may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Watertown, New York?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Watertown, New York offer in-person customer service, which some customers prefer.
How do I open a savings account in Watertown, New York?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Watertown, New York
Here are recent savings rates observed in Watertown, New York and the surrounding area:
- Northern Credit Union
NEXT eSavings — 5.00% APY - AmeriCU Credit Union
Health Savings Accounts — 1.50% APY - State CS Employees Federal Credit Union
Savings Accounts — 0.40% APY - Carthage Savings and Loan
Statement Savings — 0.10% APY - WSB Municipal Bank
Health Savings Account (HSA) — 0.10% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Watertown, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
