Bank · FDIC insured
Gouverneur Savings & Loan Association Savings Rates
Gouverneur Savings & Loan Association’s best savings rate is 0.10% APY on $10,000, with its Money Market Checking. Rates checked October 16, 2026.
How Gouverneur Savings & Loan Association’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $10
Passbook & Statement Savings 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
Gouverneur Savings & Loan Association savings score
66
Savings score
Higher than 16% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0001.01%
- 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 Gouverneur Savings & 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 Checking
0.10%APY
No monthly service charge with $2501.00 daily balance. Limited check writing and withdrawals. Rate is based on tiered balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Monthly service charge fee of $5.00 if balance falls below $2,500.00 any day of the cycle (or no monthly service charge with $2501.00 daily balance). | 0.10% | — | Monthly service charge fee of $5.00 if balance falls below $2,500.00 any day of the cycle (or no monthly service charge with $2501.00 daily balance). |
| $2,500 – $10,000Monthly service charge fee of $5.00 if balance falls below $2,500.00 any day of the cycle (or no monthly service charge with $2501.00 daily balance). | 0.10% | $10 | Monthly service charge fee of $5.00 if balance falls below $2,500.00 any day of the cycle (or no monthly service charge with $2501.00 daily balance). |
| $10,000 – $50,000Monthly service charge fee of $5.00 if balance falls below $2,500.00 any day of the cycle (or no monthly service charge with $2501.00 daily balance). | 0.75% | — | Monthly service charge fee of $5.00 if balance falls below $2,500.00 any day of the cycle (or no monthly service charge with $2501.00 daily balance). |
| Over $50,000Monthly service charge fee of $5.00 if balance falls below $2,500.00 any day of the cycle (or no monthly service charge with $2501.00 daily balance). | 1.01% | — | Monthly service charge fee of $5.00 if balance falls below $2,500.00 any day of the cycle (or no monthly service charge with $2501.00 daily balance). |
Sources (3)
- gouverneurbank.com/media/1307/…osure-dep-6-1-25-new.pdf
- gouverneurbank.com/deposit-rates
- gouverneurbank.com/deposit-accounts
All captured Oct 6, 2026
Special-purpose accounts
Holiday Club Account
0.10%APY
Deposit weekly, biweekly, or monthly using a payment book or automatic deposit. Early withdrawal subject to penalty ($5.00 per withdrawal). Non-automatically renewable time account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up$10.00 opens the account and earns interest. Make weekly, biweekly, or monthly payments. Early withdrawal subject to penalty ($5.00 per withdrawal).$10 and up | 0.10% | $10 | $10.00 opens the account and earns interest. Make weekly, biweekly, or monthly payments. Early withdrawal subject to penalty ($5.00 per withdrawal). |
Sources (3)
- gouverneurbank.com/media/1307/…osure-dep-6-1-25-new.pdf
- gouverneurbank.com/deposit-rates
- gouverneurbank.com/deposit-accounts
All captured Oct 6, 2026
Passbook & Statement Savings Account
0.10%APY
No maintenance charge for tax reported owners ages under 18 or 60 years old and over. $50.00 balance required to avoid a $5.00 monthly maintenance charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up$50.00 minimum balance required to avoid $5.00 monthly maintenance fee. Monthly maintenance fee waived for owners ages under 18 or 60 and over.$10 and up | 0.10% | $10 | $50.00 minimum balance required to avoid $5.00 monthly maintenance fee. Monthly maintenance fee waived for owners ages under 18 or 60 and over. |
Sources (3)
- gouverneurbank.com/media/1307/…osure-dep-6-1-25-new.pdf
- gouverneurbank.com/deposit-rates
- gouverneurbank.com/deposit-accounts
All captured Oct 6, 2026
Vacation Club Account
0.10%APY
Deposit weekly, biweekly, or monthly using a payment book or automatic deposit. Early withdrawal subject to penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up$10.00 opens the account and earns interest. Make weekly, biweekly, or monthly payments. Early withdrawal subject to penalty.$10 and up | 0.10% | $10 | $10.00 opens the account and earns interest. Make weekly, biweekly, or monthly payments. Early withdrawal subject to penalty. |
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.