Bank · FDIC insured
Champlain National Bank Savings Rates
Champlain National Bank’s best savings rate is 0.37% APY on $10,000, with its Champlain Privilege Money Market. Rates checked October 16, 2026.
How Champlain National Bank’s savings rates compare
Compared with banks and credit unions near Plattsburgh, NY, where Champlain National Bank has the most branches. $10,000, best rate first.
This bank’s best
Champlain National Bank
0.37%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $37
Champlain Privilege Money Market
Top rate
UFirst Federal Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
North Country Savings Bank
3.56%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $356
Champlain National Bank savings score
76
Savings score
Higher than 42% of U.S. banks and credit unions
- $1,000 balance$1,0000.27%
- $10,000 balance$10,0000.37%
- $100,000 balance$100,0001.29%
- QualifiedQualified0.37%
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 Champlain 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.
Champlain Privilege Money Market
0.37%APY
The rate is variable and may change after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000The rate is variable and may change after the account is opened. | 0.27% | — | The rate is variable and may change after the account is opened. |
| $10,000 – $25,000The rate is variable and may change after the account is opened. | 0.37% | $37 | The rate is variable and may change after the account is opened. |
| $25,000 – $50,000The rate is variable and may change after the account is opened. | 0.77% | — | The rate is variable and may change after the account is opened. |
| $50,000 – $75,000The rate is variable and may change after the account is opened. | 1.04% | — | The rate is variable and may change after the account is opened. |
| $75,000 and upThe rate is variable and may change after the account is opened. | 1.29% | — | The rate is variable and may change after the account is opened. |
Sources (1)
- champlainbank.com/personal-checking-and-savings-rates · captured Sep 17, 2026
Champlain Money Market
0.35%APY
The rate is variable and may change after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000The rate is variable and may change after the account is opened. | 0.25% | — | The rate is variable and may change after the account is opened. |
| $10,000 – $25,000The rate is variable and may change after the account is opened. | 0.35% | $35 | The rate is variable and may change after the account is opened. |
| $25,000 – $50,000The rate is variable and may change after the account is opened. | 0.75% | — | The rate is variable and may change after the account is opened. |
| $50,000 – $75,000The rate is variable and may change after the account is opened. | 1.00% | — | The rate is variable and may change after the account is opened. |
| $75,000 and upThe rate is variable and may change after the account is opened. | 1.26% | — | The rate is variable and may change after the account is opened. |
Sources (1)
- champlainbank.com/personal-checking-and-savings-rates · captured Sep 17, 2026
Champlain Statement Savings
0.05%APY
To avoid a $2 monthly maintenance fee, keep a $100 minimum daily balance. Variable interest rate that may change after the account is opened. Interest accrues on daily collected balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTo avoid a $2 monthly maintenance fee, keep a $100 minimum daily balance. Variable rate subject to change after opening.Any balance | 0.05% | $5 | To avoid a $2 monthly maintenance fee, keep a $100 minimum daily balance. Variable rate subject to change after opening. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Champlain Birthday Savings Club
0.05%APY
For ages 12 and younger. Account holder must visit a branch within 30 days of birthday to request birthday bonus ($1 per year up to age 12). Variable interest rate that may change after opening. Interest accrues on daily collected balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor ages 12 and younger. Variable rate subject to change after opening.Any balance | 0.05% | $5 | For ages 12 and younger. Variable rate subject to change after opening. |
Sources (2)
All captured Sep 17, 2026
Champlain Christmas Club
0.05%APY
Deposits must be made through automatic transfer from another Champlain National Bank account. Penalty for early withdrawal/closing ($2 early closing penalty; no withdrawals except at maturity). Earns a fixed rate of interest all year. Interest accrues on daily collected balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAutomatic transfer from another Champlain National Bank account required. Penalty for early withdrawal/closing.Any balance | 0.05% | $5 | Automatic transfer from another Champlain National Bank account required. Penalty for early withdrawal/closing. |
Sources (2)
All captured Sep 17, 2026
Health Savings Account
0.05%APY
Must be enrolled in a qualified high deductible health plan, cannot be enrolled in Medicare or claimed as a dependent on someone else's tax return. Variable interest rate that may change after opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly maintenance fee and no opening deposit required. Variable rate subject to change after opening.Any balance | 0.05% | $5 | No monthly maintenance fee and no opening deposit required. Variable rate subject to change after opening. |
Sources (3)
- champlainbank.com/health-savings-account
- champlainbank.com/personal-checking-and-savings-rates
- champlainbank.com/personal-savings
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.