Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–23 results in Watertown, NY metro
- Gouverneur Savings & Loan AssociationMoney Market CheckingMoney Market Checking · $2,500 min · 0.10%–1.01% by balance
Bank · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: No monthly service charge with $2501.00 daily balance. Limited check writing and withdrawals. Rate is based on tiered balance.
Offer: Monthly service charge fee of $5.00 if balance falls below $2,500.00 any day of the cycle (or no monthly service charge with $2501.00 daily balance).
0.10% interest rate · $5 monthly fee · Effective Jul 30, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $2,500 0.10% $2,500 – $10,000Your amount 0.10% $10,000 – $50,000 0.75% Over $50,000 1.01% Rate checked
More details - AmeriCU Credit UnionShare SavingsSavings · $50 min · 0.01%–0.10% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Keep a minimum deposit of one penny ($0.01) to open and maintain membership.
0.01% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Savings Balance APY Up to $1,000 0.01% $1,000 – $2,500 0.03% $2,500 – $5,000 0.05% $5,000 and upYour amount 0.10% Rate checked
More details - AmeriCU Credit UnionSecured Visa Savings Share AccountsSavings · $50 min · 0.01%–0.10% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000with conditionsRequirements
Product: Available to members with our Secured VISA product only.
Qualified rate · 0.01% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Secured Visa Savings Share Accounts Balance APY Up to $1,000 0.01% $1,000 – $2,500 0.03% $2,500 – $5,000 0.05% $5,000 and upYour amount 0.10% Rate checked
More details - Watertown Savings BankMoney Market Deposit AccountMoney Market Deposit Account · $100 min
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: 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.
Offer: 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.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Doorway to membership requirement; deposit and maintain at least $5.00. Minimum balance to earn dividends is $100. Dividends calculated on daily balance and paid monthly. Enhanced Loyalty Rewards program may increase rates.
Offer: Minimum balance to earn dividends is $100; $5 minimum to open and maintain account membership.
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: 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.
Offer: Requires a daily balance of $100.00 to obtain APY and at least $10.00 for the entire calendar quarter to receive interest.
0.10% interest rate · Compounded daily · No monthly fee
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Designed to be held alongside a KeyBank personal checking account. Monthly maintenance fee of $4.00 is waived if the account holder owns a KeyBank consumer checking account (including KeyBank Hassle-Free Account). Variable rate applies to the entire balance.
Offer: Rate applies to entire balance. Monthly fee is waived for owners of a KeyBank consumer checking account (including KeyBank Hassle-Free Account).
0.01% interest rate · $4 monthly fee · Effective Sep 30, 2026
Rate checked
More details - Northern Credit UnionPlatinum High Yield SavingsSavings · $0 min · 0.00%–3.25% by balance
Credit union · 5 branches
0.00%APY$0 a year on $10,000with conditionsRequirements
Product: Offered with Choice Rewards Checking or Premium Rewards Checking.
Qualified rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for Platinum High Yield Savings Balance APY Up to $50,000Your amount 0.00% $50,000 – $100,000 1.75% $100,000 – $200,000 3.00% $200,000 and up 3.25% Rate checked
More details
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 savings accounts pay in Watertown, NY metro
23 accounts at 9 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 0.68%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.28%
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Watertown, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- AmeriCU Credit UnionCredit union · 2 branches
- Navy Federal Credit UnionCredit union · 1 branch