Bank · FDIC insured
Watertown Savings Bank Savings Rates
Watertown Savings Bank’s best savings rate is 0.10% APY on $10,000, with its Money Market Deposit Account. Rates checked October 16, 2026.
How Watertown Savings Bank’s savings rates compare
Compared with banks and credit unions near Watertown, NY, where Watertown Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Watertown Savings Bank
0.10%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $10
Money Market Deposit 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
Watertown Savings Bank savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- 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 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.
Money Market Deposit Account
0.10%APY
Interest rate is variable and may change after account opening. Interest is calculated on a simple basis and paid monthly. Requires a minimum balance of at least $10.00 for the entire calendar month to receive interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100.00 in the account every day is required to obtain the APY. Requires a balance of at least $10.00 for the entire calendar month to receive interest for that month.$100 and up | 0.10% | $10 | Minimum balance of $100.00 in the account every day is required to obtain the APY. Requires a balance of at least $10.00 for the entire calendar month to receive interest for that month. |
Sources (1)
- watertownsavingsbank.com/personal/deposit-account-rates · captured Sep 25, 2026
Savings Account
0.10%APY
Interest is compounded daily and paid quarterly. Variable interest rate subject to change. Requires a balance of at least $10.00 for the entire calendar quarter to receive interest. $100.00 minimum daily balance required to obtain APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires a daily balance of $100.00 to obtain APY and at least $10.00 for the entire calendar quarter to receive interest.$100 and up | 0.10% | $10 | Requires a daily balance of $100.00 to obtain APY and at least $10.00 for the entire calendar quarter to receive interest. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Christmas Club Account
0.10%APY · 1 term
Club accounts run 52 weeks and are issued as statement accounts only. Variable interest rate. Interest is compounded daily and paid quarterly. Requires a balance of at least $10.00 for the entire calendar quarter to receive interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRuns 52 weeks. Minimum balance of $100.00 required every day to obtain APY | 0.10% | $10 |
Sources (2)
- watertownsavingsbank.com/personal/club-accounts
- watertownsavingsbank.com/personal/deposit-account-rates
All captured Sep 17, 2026
Health Savings Account (HSA)
0.10%APY
Designed for individuals and families with high-deductible medical plans. Interest is compounded daily and paid monthly. Variable interest rate. Statement accounts only. Transfers are not permitted on Health Savings Accounts. Requires a balance of at least $10.00 for the entire month to receive interest.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier applies up to $4,999.99. A minimum daily balance of $100.00 is required to obtain APY, and at least $10.00 for the entire month to receive interest. | 0.05% | — | Tier applies up to $4,999.99. A minimum daily balance of $100.00 is required to obtain APY, and at least $10.00 for the entire month to receive interest. |
| $5,000 – $10,000Tier applies for balances $5,000 - $9,999.99. | 0.10% | — | Tier applies for balances $5,000 - $9,999.99. |
| $10,000 and upTier applies for balances $10,000.00 and over. | 0.10% | $10 | Tier applies for balances $10,000.00 and over. |
Sources (2)
All captured Sep 17, 2026
Vacation Club Account
0.10%APY · 1 term
Club accounts run 52 weeks and are issued as statement accounts only. Variable interest rate. Interest is compounded daily and paid quarterly. Requires a balance of at least $10.00 for the entire calendar quarter to receive interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRuns 52 weeks. Minimum balance of $100.00 required every day to obtain APY | 0.10% | $10 |
Sources (2)
- watertownsavingsbank.com/personal/club-accounts
- watertownsavingsbank.com/personal/deposit-account-rates
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.