Bank · FDIC insured
Cayuga Lake National Bank Savings Rates
Cayuga Lake National Bank’s best savings rate is 0.20% APY on $10,000, with its Passbook Savings. Rates checked October 16, 2026.
How Cayuga Lake National Bank’s savings rates compare
Compared with banks and credit unions near Auburn, NY, where Cayuga Lake National Bank has the most branches. $10,000, best rate first.
This bank’s best
Cayuga Lake National Bank
0.20%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $20
Passbook Savings
Top rate
Five Star Bank
2.75%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $275
2nd-highest rate
AmeriCU Credit Union
1.25%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $125
Cayuga Lake National Bank savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 Cayuga Lake National Bank 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.
Passbook Savings
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upInterest credited and compounded quarterly. Fees may reduce earnings on the account.$10 and up | 0.20% | $20 | Interest credited and compounded quarterly. Fees may reduce earnings on the account. |
Sources (1)
- cayugalakenationalbank.com/assets/files/CARXJeek · captured Oct 16, 2026
Statement Savings
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upA minimum balance fee of $2.00 is charged every month if the average daily balance for the month falls below $10.00. Interest is credited and compounded monthly. Fees may reduce earnings on the account.$10 and up | 0.20% | $20 | A minimum balance fee of $2.00 is charged every month if the average daily balance for the month falls below $10.00. Interest is credited and compounded monthly. Fees may reduce earnings on the account. |
Sources (2)
- cayugalakenationalbank.com/per…savings-accounts-and-cds
- cayugalakenationalbank.com/assets/files/CARXJeek
All captured Oct 16, 2026
Special-purpose accounts
Christmas Club
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upA minimum balance fee of $2.00 will be imposed every month if the average daily balance for the month falls below $10.00. Interest is paid annually at maturity (non-compounding). Fees may reduce earnings on the account.$10 and up | 0.20% | $20 | A minimum balance fee of $2.00 will be imposed every month if the average daily balance for the month falls below $10.00. Interest is paid annually at maturity (non-compounding). Fees may reduce earnings on the account. |
Sources (2)
- cayugalakenationalbank.com/per…savings-accounts-and-cds
- cayugalakenationalbank.com/assets/files/CARXJeek
All captured Oct 16, 2026
Health Savings Account (HSA)
0.20%APY
Must be enrolled in a High-Deductible Health Plan (HDHP). Contributions generally not subject to federal income tax, earnings grow tax-free, and withdrawals for qualified medical expenses are tax-free. Debit card available. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upInterest credited and compounded monthly. Fees may reduce earnings on the account. Must be enrolled in a High-Deductible Health Plan.$1 and up | 0.20% | $20 | Interest credited and compounded monthly. Fees may reduce earnings on the account. Must be enrolled in a High-Deductible Health Plan. |
Sources (2)
- cayugalakenationalbank.com/per…savings-accounts-and-cds
- cayugalakenationalbank.com/assets/files/CARXJeek
All captured Oct 16, 2026
Minor Savings
0.20%APY
Kids' / youth savings account. Parents/guardians need a driver license and the child's social security card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Interest is credited and compounded monthly.Over $0 | 0.20% | $20 | Interest is credited and compounded monthly. |
Sources (2)
- cayugalakenationalbank.com/per…ng/kids-savings-accounts
- cayugalakenationalbank.com/assets/files/CARXJeek
All captured Oct 16, 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.