Bank · FDIC insured
Sawyer Savings Bank Savings Rates
Sawyer Savings Bank’s best savings rate is 2.00% APY on $10,000, with its High Yield Savings. Rates checked October 16, 2026.
How Sawyer Savings Bank’s savings rates compare
Compared with banks and credit unions near Kingston, NY, where Sawyer Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Sawyer Savings Bank
2.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $200
High Yield Savings
Top rate
Self Reliance Financial Federal Credit Union
3.20%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $320
2nd-highest rate
Heritage Financial Credit Union
2.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $225
Sawyer Savings Bank savings score
89
Savings score
Higher than 87% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.50%
- QualifiedQualified2.00%
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 Sawyer 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.
Preferred Money Market
0.50%APY
Must be at least 18 years old to open. Limited to 6 withdrawals per month. An opening deposit of $1,000 is required to avoid a monthly service charge of $20.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Minimum requirement to earn APY is $1,000. Opening deposit of $1,000 avoids $20 monthly service charge. | 0.25% | — | Minimum requirement to earn APY is $1,000. Opening deposit of $1,000 avoids $20 monthly service charge. |
| $10,000 – $24,999Minimum requirement to earn APY is $10,000. Opening deposit of $1,000 avoids $20 monthly service charge. | 0.50% | $50 | Minimum requirement to earn APY is $10,000. Opening deposit of $1,000 avoids $20 monthly service charge. |
| $25,000 – $49,999Minimum requirement to earn APY is $25,000. Opening deposit of $1,000 avoids $20 monthly service charge. | 1.00% | — | Minimum requirement to earn APY is $25,000. Opening deposit of $1,000 avoids $20 monthly service charge. |
| $50,000 – $99,999Minimum requirement to earn APY is $50,000. Opening deposit of $1,000 avoids $20 monthly service charge. | 1.75% | — | Minimum requirement to earn APY is $50,000. Opening deposit of $1,000 avoids $20 monthly service charge. |
| $100,000 – $249,999Minimum requirement to earn APY is $100,000. Opening deposit of $1,000 avoids $20 monthly service charge. | 2.00% | — | Minimum requirement to earn APY is $100,000. Opening deposit of $1,000 avoids $20 monthly service charge. |
| $250,000 – $499,999Minimum requirement to earn APY is $250,000. Opening deposit of $1,000 avoids $20 monthly service charge. | 2.25% | — | Minimum requirement to earn APY is $250,000. Opening deposit of $1,000 avoids $20 monthly service charge. |
| $500,000 – $999,999Minimum requirement to earn APY is $500,000. Opening deposit of $1,000 avoids $20 monthly service charge. | 2.50% | — | Minimum requirement to earn APY is $500,000. Opening deposit of $1,000 avoids $20 monthly service charge. |
| $1,000,000 and upMinimum requirement to earn APY is $1,000,000. Opening deposit of $1,000 avoids $20 monthly service charge. | 2.75% | — | Minimum requirement to earn APY is $1,000,000. Opening deposit of $1,000 avoids $20 monthly service charge. |
Sources (2)
- sawyersavings.bank/personal/current-banking-rates
- sawyersavings.bank/personal/savings-and-money-markets
All captured Oct 5, 2026
High Yield Savings
2.00%APY
Must be opened with a minimum of $10,000 in new funds not already on deposit with Sawyer Savings Bank. Variable interest rate subject to change at any time without notice. Minimum daily balance of $100.00 to avoid monthly maintenance fee of $2.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Monthly fee of $2 waived with daily balance of $100 or more. | 0.00% | — | Monthly fee of $2 waived with daily balance of $100 or more. |
| $500 – $50,000Must maintain minimum balance of $500.00 each day to obtain APY. Monthly fee of $2 waived with daily balance of $100 or more. | 2.00% | $200 | Must maintain minimum balance of $500.00 each day to obtain APY. Monthly fee of $2 waived with daily balance of $100 or more. |
| $50,000 and upMonthly fee of $2 waived with daily balance of $100 or more. | 2.50% | — | Monthly fee of $2 waived with daily balance of $100 or more. |
Sources (2)
- sawyersavings.bank/personal/current-banking-rates
- sawyersavings.bank/personal/savings-and-money-markets
All captured Sep 17, 2026
School Savings
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.25% | $25 |
Sources (1)
- sawyersavings.bank/personal/current-banking-rates · captured Sep 17, 2026
Choice Savings
0.05%APY
Save for anything important; user sets the withdrawal date. Withdrawals made before the selected withdrawal date may result in account closure.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5 | 0.00% | — |
| Up to $100 | 0.05% | — |
| $100 – $500 | 0.05% | — |
| $500 – $1,000 | 0.05% | — |
| $1,000 and up | 0.05% | $5 |
Sources (2)
- sawyersavings.bank/personal/current-banking-rates
- sawyersavings.bank/personal/savings-and-money-markets
All captured Sep 17, 2026
Special-purpose accounts
Security Deposit Savings
0.05%APY
Designed for landlords' security deposits. $2 service charge if balance goes below $300.00 at any time during the statement cycle. Transaction limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and up$2 monthly service charge applies if balance falls below $300.00 at any time during statement cycle.$300 and up | 0.05% | $5 | $2 monthly service charge applies if balance falls below $300.00 at any time during statement cycle. |
Sources (2)
- sawyersavings.bank/personal/current-banking-rates
- sawyersavings.bank/personal/savings-and-money-markets
All captured Sep 17, 2026
Statement Savings
0.05%APY
Must be at least 16 years old to open. Limited transactions. $100 minimum balance requirement. $2 monthly service charge waived with direct deposit.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500$2 monthly service charge can be waived with direct deposit. | 0.00% | — | $2 monthly service charge can be waived with direct deposit. |
| $500 – $1,000$2 monthly service charge can be waived with direct deposit. | 0.05% | — | $2 monthly service charge can be waived with direct deposit. |
| $1,000 – $10,000$2 monthly service charge can be waived with direct deposit. | 0.05% | — | $2 monthly service charge can be waived with direct deposit. |
| $10,000 – $50,000$2 monthly service charge can be waived with direct deposit. | 0.05% | $5 | $2 monthly service charge can be waived with direct deposit. |
| $50,000 and up$2 monthly service charge can be waived with direct deposit. | 0.05% | — | $2 monthly service charge can be waived with direct deposit. |
Sources (2)
- sawyersavings.bank/personal/current-banking-rates
- sawyersavings.bank/personal/savings-and-money-markets
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.