Bank · FDIC insured
Carthage Federal Savings and Loan Association CD Rates
A $312.1M bank headquartered in Carthage, NY, with 3 branches in New York.
How Carthage Federal Savings and Loan Association’s CD rates compare
Compared with banks and credit unions near Watertown, NY, where Carthage Federal Savings and Loan Association has the most branches. $10,000, best rate first.
This bank’s best
Carthage Federal Savings and Loan Association
3.04%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $304
Certificates of Deposit (CDs)
Top rate
AmeriCU Credit Union
4.50%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $111
2nd-highest rate
Northern Credit Union
4.25%APY
- Term
- 10 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $353
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Certificates of Deposit (CDs)
Up to 3.04%APY · 12 terms
No setup or maintenance fees. Early withdrawals subject to penalty.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsN/A IRA. Penalty may be imposed for early withdrawal | — | 2.83% | 2.83% | $141 |
| 12 monthsPenalty may be imposed for early withdrawal | 3.04% | — | 3.04% | $304 |
| 15 monthsPenalty may be imposed for early withdrawal | 2.31% | — | 2.31% | $290 |
| 18 monthsPenalty may be imposed for early withdrawal | 0.97% | — | 0.97% | $146 |
| 24 monthsPenalty may be imposed for early withdrawal | 0.97% | — | 0.97% | $195 |
| 30 monthsPenalty may be imposed for early withdrawal | 1.28% | — | 1.28% | $323 |
| 31 monthsOne Time Rate Change Option. Penalty may be imposed for early withdrawal | 1.53% | — | 1.53% | $400 |
| 36 monthsPenalty may be imposed for early withdrawal | 1.22% | — | 1.22% | $370 |
| 48 monthsPenalty may be imposed for early withdrawal | 0.97% | — | 0.97% | $394 |
| 59 monthsPenalty may be imposed for early withdrawal | 1.89% | — | 1.89% | $964 |
| 60 monthsOne Time Rate Change Option. Penalty may be imposed for early withdrawal | 0.97% | — | 0.97% | $495 |
| 72 monthsPenalty may be imposed for early withdrawal | 2.05% | — | 2.05% | $1,295 |
Sources (2)
- carthagesavings.com/deposit-ac…ates-of-deposit-cds.html
- carthagesavings.com/services-t…ools-security/rates.html
All captured Sep 17, 2026
IRA Certificates
Up to 3.04%APY · 11 terms
Traditional and Roth IRA options available. No setup fees, service charges, or monthly/annual maintenance fees. Early withdrawals subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty may be imposed for early withdrawal | 3.04% | $304 |
| 15 monthsPenalty may be imposed for early withdrawal | 2.31% | $290 |
| 18 monthsPenalty may be imposed for early withdrawal | 0.97% | $146 |
| 24 monthsPenalty may be imposed for early withdrawal | 0.97% | $195 |
| 30 monthsPenalty may be imposed for early withdrawal | 1.28% | $323 |
| 31 monthsOne Time Rate Change Option. Penalty may be imposed for early withdrawal | 1.53% | $400 |
| 36 monthsPenalty may be imposed for early withdrawal | 1.22% | $370 |
| 48 monthsPenalty may be imposed for early withdrawal | 0.97% | $394 |
| 59 monthsPenalty may be imposed for early withdrawal | 1.89% | $964 |
| 60 monthsOne Time Rate Change Option. Penalty may be imposed for early withdrawal | 0.97% | $495 |
| 72 monthsPenalty may be imposed for early withdrawal | 2.05% | $1,295 |
Sources (2)
- carthagesavings.com/deposit-ac…ement-accounts-iras.html
- carthagesavings.com/services-t…ools-security/rates.html
All captured Sep 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.