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Compare Bank & Credit Union Rates

Best CD rates and certificates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

Term
Location

Top CD rates

Showing 1–12 results in Watertown, NY metro

  1. Top Carrot, Carrot Score 91
    AmeriCU Credit UnionShare CertificatesCD · 3 months · $50 min

    Credit union · 2 branches

    4.50%APY$111 over 3 months on $10,000
  2. Northern Credit UnionShare CertificatesCD · 10 months · $10,000 min

    Credit union · 5 branches

    4.25%APY$353 over 10 months on $10,000with conditions
  3. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance

    Credit union · 1 branch

    4.10%APY$621 over 18 months on $10,000
  4. State CS Employees Federal Credit UnionTraditional CertificateCD · 6 months · $500 min

    Credit union · 2 branches

    4.00%APY$198 over 6 months on $10,000
  5. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionEasyStart CertificateCD · 12 months · $50 min

    Credit union · 1 branch

    4.00%APY$400 over 1 year on $10,000
  6. State CS Employees Federal Credit UnionLucky Savers CertificateCD · 12 months · $25 min

    Credit union · 2 branches

    4.00%APY$400 over 1 year on $10,000
  7. Top Carrot, Carrot Score 91
    AmeriCU Credit UnionShare Certificate SpecialCD · 18 months · $500 min

    Credit union · 2 branches

    4.00%APY$606 over 18 months on $10,000intro rate
  8. KeyBankKey Tiered CD With Relationship RewardsCD · 12 months · $2,500 min

    Bank · 3 branches

    3.75%APY$375 over 1 year on $10,000with conditions
  9. Upstate National BankCertificates of DepositsCD · 24 months · $1,000 min · 3.60%–3.85% by balance

    Bank · 1 branch

    3.60%APY$733 over 24 months on $10,000
  10. Gouverneur Savings & Loan AssociationCertificates of DepositCD · 12 months · $1,000 min

    Bank · 3 branches

    3.41%APY$341 over 1 year on $10,000
  11. Watertown Savings BankCertificate of Deposit (CD)CD · 12 months · $500 min

    Bank · 1 branch

    3.09%APY$309 over 1 year on $10,000
  12. SeaComm Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min

    Credit union · 1 branch

    1.40%APY$720 over 60 months on $10,000

Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank

What CDs pay in Watertown, NY metro

70 CDs at 9 banks and credit unions · checked Oct 16–22

Typical
3.12%
Top 10% from
4.01%
Banks, typical
1.77%
Credit unions, typical
3.40%

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Watertown, NY metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. AmeriCU Credit UnionCredit union · 2 branches
  2. Navy Federal Credit UnionCredit union · 1 branch
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CD rates by state

Best CD Rates of October 2026 | Carrot Rate