Bank · FDIC insured
Watertown Savings Bank Savings Rates
Watertown Savings Bank’s best savings rate is 0.05% APY on $10,000, with its Access Savings. Rates checked October 15, 2026.
How Watertown Savings Bank’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Watertown Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Watertown Savings Bank
0.05%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $5
Access Savings
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Watertown Savings Bank savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0001.25%
- QualifiedQualified0.05%
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 Watertown 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.
Premier Money Market
0.05%APY
Limited Time Offer - Premier Money Market. At least 50% of the opening deposit must be from funds not currently on deposit with Watertown Savings Bank.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum to earn APY: $50+. At least 50% of the opening deposit must be from funds not currently on deposit with Watertown Savings Bank. | 0.05% | $5 | Minimum to earn APY: $50+. At least 50% of the opening deposit must be from funds not currently on deposit with Watertown Savings Bank. |
| $25,000 and upMinimum to earn APY: $25,000+. At least 50% of the opening deposit must be from funds not currently on deposit with Watertown Savings Bank. | 0.75% | — | Minimum to earn APY: $25,000+. At least 50% of the opening deposit must be from funds not currently on deposit with Watertown Savings Bank. |
| $100,000 and upMinimum to earn APY: $100,000+. At least 50% of the opening deposit must be from funds not currently on deposit with Watertown Savings Bank. | 1.25% | — | Minimum to earn APY: $100,000+. At least 50% of the opening deposit must be from funds not currently on deposit with Watertown Savings Bank. |
| $300,000 and upMinimum to earn APY: $300,000+. At least 50% of the opening deposit must be from funds not currently on deposit with Watertown Savings Bank. | 1.75% | — | Minimum to earn APY: $300,000+. At least 50% of the opening deposit must be from funds not currently on deposit with Watertown Savings Bank. |
Sources (1)
- watertownsavings.com/account/p…banking/personal-savings · captured Oct 5, 2026
Access Savings
0.05%APY
Simple statement savings account. No monthly fee by maintaining $100 balance throughout the statement period (or for customers 18 years and younger or 65 years and older).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMaintain $100 minimum balance throughout the statement period to avoid $2 monthly service fee; fee waived for customers 18 and younger or 65 and older.Any balance | 0.05% | $5 | Maintain $100 minimum balance throughout the statement period to avoid $2 monthly service fee; fee waived for customers 18 and younger or 65 and older. |
Sources (1)
- watertownsavings.com/account/p…banking/personal-savings · captured Sep 18, 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.