Bank · FDIC insured
Gouverneur Savings & Loan Association CD Rates
Gouverneur Savings & Loan Association’s best CD rate is 3.41% APY on a 1-year CD. Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How Gouverneur Savings & Loan Association’s CD rates compare
Compared with banks and credit unions near Watertown, NY, where Gouverneur Savings & Loan Association has the most branches. $10,000, best rate first.
This bank’s best
Gouverneur Savings & Loan Association
3.41%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $341
Certificates of Deposit
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
Gouverneur Savings & Loan Association CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
- 3–8 months3–8 mo3.20%
- 9–15 months9–15 mo3.41%
- 16–30 months16–30 mo1.01%
- 31–60 months31–60 mo1.77%
- QualifiedQualified3.41%
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 Gouverneur Savings & Loan Association ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.41%APY · 6 terms
Terms: 6, 12, 15, 24, 36 & 48 months. 36 & 48-month terms receive a one-time bump-up option. Early withdrawal subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDeposit requirement as indicated. Early withdrawal penalty may apply | 3.20% | $159 |
| 12 monthsDeposit requirement as indicated. Early withdrawal penalty may apply | 3.41% | $341 |
| 15 monthsDeposit requirement as indicated. Early withdrawal penalty may apply | 2.02% | $253 |
| 24 monthsDeposit requirement as indicated. Early withdrawal penalty may apply | 1.01% | $203 |
| 36 monthsDeposit requirement as indicated. Receive a one-time bump-up option. Early withdrawal penalty may apply | 1.77% | $540 |
| 48 monthsDeposit requirement as indicated. Receive a one-time bump-up option. Early withdrawal penalty may apply | 0.90% | $365 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.41%APY · 5 terms
Traditional or Roth. Terms: 12, 15, 24, 36 & 48 months. 36 & 48-month terms receive a one-time bump-up option. Early withdrawal subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDeposit requirement as indicated. Early withdrawal penalty may apply | 3.41% | $341 |
| 15 monthsDeposit requirement as indicated. Early withdrawal penalty may apply | 2.05% | $257 |
| 24 monthsDeposit requirement as indicated. Early withdrawal penalty may apply | 1.02% | $205 |
| 36 monthsDeposit requirement as indicated. Receive a one-time bump-up option. Early withdrawal penalty may apply | 1.80% | $550 |
| 48 monthsDeposit requirement as indicated. Receive a one-time bump-up option. Early withdrawal penalty may apply | 0.92% | $373 |
Sources (2)
All captured Oct 6, 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.