Bank · FDIC insured
North Country Savings Bank Savings Rates
North Country Savings Bank’s best savings rate is 0.40% APY on $10,000, with its Money Market Advantage Account. Rates checked October 16, 2026.
How North Country Savings Bank’s savings rates compare
Compared with banks and credit unions near Massena, NY, where North Country Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
North Country Savings Bank
3.56%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $356
NCSB CashBack Rewards Savings Account
2nd-highest rate
Adirondack Federal Credit Union
1.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $125
3rd-highest rate
St. Lawrence FCU
1.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $100
North Country Savings Bank savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.01%
- QualifiedQualified3.56%
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 North Country Savings 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.
NCSB CashBack Rewards Savings Account
Up to 3.56%APY
Must be linked to an NCSB CashBack Rewards Checking account; not available as a standalone product. If the linked checking account is closed, the account converts to a Statement Savings account. No monthly service charges.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Qualified rate: requires meeting monthly qualifications on linked CashBack Rewards Checking (at least 10 debit card purchases post and clear per cycle, at least 1 ACH direct deposit or ACH external withdrawal post and clear per cycle, and enrollment in electronic statements via EagleNET).Over $0 | 3.56% | $356 | Qualified rate: requires meeting monthly qualifications on linked CashBack Rewards Checking (at least 10 debit card purchases post and clear per cycle, at least 1 ACH direct deposit or ACH external withdrawal post and clear per cycle, and enrollment in electronic statements via EagleNET). |
| Over $0Unqualified / base rate: applies when monthly qualifications on the linked checking account are not met.Over $0 | 0.05% | $5 | Unqualified / base rate: applies when monthly qualifications on the linked checking account are not met. |
Sources (3)
- northcountrysavings.bank/rewards-disclosures
- northcountrysavings.bank/rewards-savings-accounts
- northcountrysavings.bank/banking/interest-rates
All captured Oct 5, 2026
NCSB Premium Rewards Savings Account
Up to 3.56%APY
Must be linked to an NCSB Premium Rewards Checking account; not available as a standalone product. If the linked checking account is closed, the account converts to a Statement Savings account. No monthly service charges.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Qualified rate: requires meeting monthly qualifications on linked Premium Rewards Checking (at least 10 debit card purchases post and clear per cycle, at least 1 ACH direct deposit or ACH external withdrawal post and clear per cycle, and enrollment in electronic statements via EagleNET).Over $0 | 3.56% | $356 | Qualified rate: requires meeting monthly qualifications on linked Premium Rewards Checking (at least 10 debit card purchases post and clear per cycle, at least 1 ACH direct deposit or ACH external withdrawal post and clear per cycle, and enrollment in electronic statements via EagleNET). |
| Over $0Unqualified / base rate: applies when monthly qualifications on the linked checking account are not met.Over $0 | 0.05% | $5 | Unqualified / base rate: applies when monthly qualifications on the linked checking account are not met. |
Sources (3)
- northcountrysavings.bank/rewards-disclosures
- northcountrysavings.bank/rewards-savings-accounts
- northcountrysavings.bank/banking/interest-rates
All captured Oct 5, 2026
Money Market Advantage Account
Up to 0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upTier 1- Minimum Daily Balance $1,000.00 | 0.25% | $25 | Tier 1- Minimum Daily Balance $1,000.00 |
| $10,000 and upTier 2- Minimum Daily Balance $10,000.00 | 0.40% | $40 | Tier 2- Minimum Daily Balance $10,000.00 |
| $25,000 and upTier 3- Minimum Daily Balance $25,000.00 | 0.50% | — | Tier 3- Minimum Daily Balance $25,000.00 |
| $75,000 and upTier 4- Minimum Daily Balance $75,000.00 | 1.01% | — | Tier 4- Minimum Daily Balance $75,000.00 |
Sources (1)
- northcountrysavings.bank/banking/interest-rates · captured Oct 5, 2026
Money Market Statement Savings Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.05% | $5 |
Sources (1)
- northcountrysavings.bank/banking/interest-rates · captured Oct 5, 2026
Statement Savings Account
0.05%APY
Interest is compounded daily and credited monthly. ATM access available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMust maintain a minimum daily balance of $50.00 to obtain disclosed APY.$50 and up | 0.05% | $5 | Must maintain a minimum daily balance of $50.00 to obtain disclosed APY. |
Sources (2)
All captured Oct 5, 2026
Money Market Demand Account
0.03%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.03% | $3 |
Sources (1)
- northcountrysavings.bank/banking/interest-rates · captured Oct 5, 2026
Special-purpose accounts
IRA Advantage
Up to 0.10%APY
Tiered-rate IRA savings account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upTier 1-Minimum Daily Balance $1,000.00 | 0.05% | $5 | Tier 1-Minimum Daily Balance $1,000.00 |
| $10,000 and upTier 2-Minimum Daily Balance $10000.00 | 0.10% | $10 | Tier 2-Minimum Daily Balance $10000.00 |
| $25,000 and upTier 3-Minimum Daily Balance $25000.00 | 0.15% | — | Tier 3-Minimum Daily Balance $25000.00 |
| $75,000 and upTier 4-Minimum Daily Balance $75000.00 | 0.15% | — | Tier 4-Minimum Daily Balance $75000.00 |
Sources (1)
- northcountrysavings.bank/banking/interest-rates · captured Oct 5, 2026
Christmas Clubs
0.10%APY
May not make withdrawals from account until maturity date. Interest compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMust maintain a minimum balance of $1.00 each day to obtain disclosed APY. Withdrawals not permitted until maturity date.$1 and up | 0.10% | $10 | Must maintain a minimum balance of $1.00 each day to obtain disclosed APY. Withdrawals not permitted until maturity date. |
Sources (2)
All captured Oct 5, 2026
Startastic Savings Account
0.05%APY
Youth savings account. Interest is compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMust maintain a minimum balance of $50.00 to obtain disclosed APY.$50 and up | 0.05% | $5 | Must maintain a minimum balance of $50.00 to obtain disclosed APY. |
Sources (2)
All captured Oct 5, 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.