Bank · FDIC insured
Carthage Federal Savings and Loan Association Savings Rates
Carthage Federal Savings and Loan Association’s best savings rate is 0.10% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Carthage Federal Savings and Loan Association’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $10
Money Market Account
Top rate
State CS Employees Federal Credit Union
1.65%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $165
2nd-highest rate
AmeriCU Credit Union
1.25%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $125
Carthage Federal Savings and Loan Association savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Carthage Federal Savings and Loan Association ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.10%APY
Avoid the $5 monthly service fee by maintaining a $2,500 minimum daily balance. $2,500 minimum deposit to open. 6 free transactions per month by preauthorized automatic, telephone, check, draft, debit card or other similar order (3 free checks per month; $3 per check thereafter).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Rate applies to daily balances up to $2,499.99. Avoid the $5 monthly service fee by maintaining a $2,500 minimum daily balance. | 0.00% | — | Rate applies to daily balances up to $2,499.99. Avoid the $5 monthly service fee by maintaining a $2,500 minimum daily balance. |
| $2,500 – $5,000Rate applies to daily balances $2,500.00 - $4,999.99. Monthly service fee waived with $2,500 minimum daily balance. | 0.00% | — | Rate applies to daily balances $2,500.00 - $4,999.99. Monthly service fee waived with $2,500 minimum daily balance. |
| $5,000 – $10,000Rate applies to daily balances $5,000.00 - $9,999.99. Monthly service fee waived with $2,500 minimum daily balance. | 0.00% | — | Rate applies to daily balances $5,000.00 - $9,999.99. Monthly service fee waived with $2,500 minimum daily balance. |
| $10,000 – $40,000Rate applies to daily balances $10,000.00 - $39,999.99. Monthly service fee waived with $2,500 minimum daily balance. | 0.10% | $10 | Rate applies to daily balances $10,000.00 - $39,999.99. Monthly service fee waived with $2,500 minimum daily balance. |
| $40,000 – $9,999,999Rate applies to daily balances $40,000.00 - $9,999,999.00. Monthly service fee waived with $2,500 minimum daily balance. | 0.10% | — | Rate applies to daily balances $40,000.00 - $9,999,999.00. Monthly service fee waived with $2,500 minimum daily balance. |
Sources (2)
- carthagesavings.com/deposit-ac…oney-market-account.html
- carthagesavings.com/services-t…ools-security/rates.html
All captured Oct 6, 2026
Statement Savings
0.10%APY
No monthly service fee. Limited to 6 pre-authorized electronically funded transactions per statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upCompetitive interest on entire balance. Daily balance required to obtain APY is $10.00.$10 and up | 0.10% | $10 | Competitive interest on entire balance. Daily balance required to obtain APY is $10.00. |
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.