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 1–15 results in Watertown, NY metro
- State CS Employees Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.65%–2.15% by balance
Credit union · 2 branches
1.65%APY$165 a year on $10,000Requirements
Product: No maintenance or below-balance fees. Open with as little as $500. Make unlimited deposits. Dividends are compounded and credited quarterly based on account's average daily balance and corresponding tier rate. Variable rate may change after opening.
Offer: Dividends compounded and credited quarterly based on average daily balance and corresponding tier rate. Rate is variable.
1.64% interest rate · No monthly fee · Effective Aug 27, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 1.65% $25,000 – $75,000 1.90% $75,000 and up 2.15% Rate checked
More details - AmeriCU Credit UnionHigh Rate Money MarketHigh Rate Money Market · $0 min · 0.25%–3.00% by balance
Credit union · 2 branches
1.25%APY$125 a year on $10,000with conditionsRequirements
Product: Membership eligibility required. Insured by NCUA. Rates may change after the account is opened. Fees may reduce earnings. Minimum balance requirements apply to each tier.
Offer: Premium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.
Qualified rate · 0.25% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for High Rate Money Market Balance APY Up to $10,000 0.25% $10,000 – $25,000Your amount 1.25% $25,000 – $50,000 1.50% $50,000 – $100,000 2.00% $100,000 – $250,000 2.50% $250,000 – $1,000,000 2.75% $1,000,000 and up 3.00% Rate checked
More details - Northern Credit UnionHigh Yield SavingsSavings · $1 min · 0.75%–2.50% by balance
Credit union · 5 branches
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Available to members with an active Choice Rewards Checking account or Premium Rewards Checking account. Minimum opening deposit $1.
Qualified rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $35,000Your amount 0.75% $35,000 – $75,000 1.00% $75,000 – $250,000 1.50% $250,000 and up 2.50% Rate checked
More details - AmeriCU Credit UnionHigh Rate Money MarketHigh Rate Money Market · $10,000 min · 0.40%–1.00% by balance
Credit union · 2 branches
0.40%APY$40 a year on $10,000with conditionsRequirements
Product: Membership eligibility required. Insured by NCUA. Rates may change after the account is opened. Fees may reduce earnings. Minimum balance requirements apply to each tier.
Offer: Standard APY applied if premium qualification requirements are not met.
Qualified rate · 0.40% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for High Rate Money Market Balance APY $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.50% $50,000 – $100,000 0.60% $100,000 – $250,000 0.80% $250,000 – $1,000,000 0.90% $1,000,000 and up 1.00% Rate checked
More details - AmeriCU Credit UnionMoney Market SavingsMoney Market Savings · $0 min · 0.01%–1.00% by balance
Credit union · 2 branches
0.40%APY$40 a year on $10,000Requirements
Product: This variable rate savings option pays dividends compounded and paid monthly. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings on account.
0.01% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $500 0.01% $500 – $1,000 0.01% $1,000 – $2,500 0.03% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.50% $50,000 – $100,000 0.60% $100,000 – $250,000 0.80% $250,000 – $1,000,000 0.90% $1,000,000 and up 1.00% Rate checked
More details - SeaComm Federal Credit UnionMoney Market AccountMoney Market Account · $100 min · 0.10%–1.00% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Dividends are calculated daily, paid monthly, and tiered based on balance.
Effective Apr 14, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY $100 – $2,500 0.10% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.45% $50,000 – $100,000 0.60% $100,000 and up 1.00% Rate checked
More details - State CS Employees Federal Credit UnionSecondary SavingsSavings · 0.00%–0.40% by balance
Credit union · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: Separate savings account to track progress for specific savings goals with deposit and withdrawal flexibility.
Offer: Under $50.00 earns no dividends.
0.00% interest rate · Effective Aug 27, 2026
Rate by balance
Rate by balance for Secondary Savings Balance APY Any balance 0.00% Up to $5,000Variable rate. Dividends compounded and credited quarterly based on average daily balance. 0.10% $5,000 – $10,000Variable rate. Dividends compounded and credited quarterly based on average daily balance. 0.25% $10,000 – $20,000Your amountVariable rate. Dividends compounded and credited quarterly based on average daily balance. 0.30% $20,000 and upVariable rate. Dividends compounded and credited quarterly based on average daily balance. 0.40% Rate checked
More details - State CS Employees Federal Credit UnionPrimary SavingsSavings · $5 min · 0.00%–0.40% by balance
Credit union · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: Establishes credit union membership. Minimum balance of $50 required to earn dividends. Includes free $1,000 Accidental Death and Dismemberment Insurance Policy.
Offer: Under $50.00 earns no dividends.
0.00% interest rate · Effective Aug 27, 2026
Rate by balance
Rate by balance for Primary Savings Balance APY Any balance 0.00% Up to $5,000Variable rate. Dividends compounded and credited quarterly based on average daily balance. 0.10% $5,000 – $10,000Variable rate. Dividends compounded and credited quarterly based on average daily balance. 0.25% $10,000 – $20,000Your amountVariable rate. Dividends compounded and credited quarterly based on average daily balance. 0.30% $20,000 and upVariable rate. Dividends compounded and credited quarterly based on average daily balance. 0.40% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Navy Federal does not charge monthly maintenance fees on savings accounts.
Offer: Compounded and credited monthly. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.
0.25% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - Northern Credit UnionMoney MarketMoney Market · $0 min · 0.15%–0.30% by balance
Credit union · 5 branches
0.20%APY$20 a year on $10,000Effective Dec 1, 2022
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.15% $10,000 – $50,000Your amount 0.20% $50,000 – $100,000 0.25% $100,000 and up 0.30% Rate checked
More details - Northern Credit UnionEasy Savings Account NYSavings · $0 min · 0.10%–0.15% by balance
Credit union · 5 branches
0.15%APY$15 a year on $10,000Requirements
Product: No minimum opening deposit requirement. Keep saving with automatic monthly deposits of $25 or more. One withdrawal or transfer permitted per monthly statement cycle.
Offer: Blended rate tier structure: earns 0.10% APY on all balances up to $499.99.
Effective Jun 1, 2023
Rate by balance
Rate by balance for Easy Savings Account NY Balance APY Up to $500 0.10% $500 – $2,500 0.14% $2,500 – $5,000Blended rate tier structure: advertised as 0.14% - 0.15% APY (0.10% on first $499.99, 0.15% on balance between $500.00 and $9,999.99). 0.15% $5,000 – $10,000 0.15% $10,000 and upYour amount 0.15% Rate checked
More details - Northern Credit UnionBasic Savings Account NYSavings · $5 min · 0.10%–0.20% by balance
Credit union · 5 branches
0.15%APY$15 a year on $10,000Requirements
Product: Open with $5 credit union membership deposit. Earn dividends on balances of $50 or more. Dividends earned on $60 or less would be less than 1 cent, therefore dividends do not pay out until balance reaches at least $61. Optional overdraft protection on checking account.
Offer: Dividends earned on $60 or less in the account would be less than 1 cent, therefore dividends would not pay out until the account balance reaches at least $61.
Effective Dec 1, 2022
Rate by balance
Rate by balance for Basic Savings Account NY Balance APY Up to $50 0.10% Up to $5,000 0.10% $5,000 – $25,000Your amount 0.15% $25,000 and up 0.20% Rate checked
More details - Carthage Federal Savings and Loan AssociationMoney Market AccountMoney Market Account · $2,500 min · 0.00%–0.10% by balance
Bank · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Avoid the $5 monthly service fee by maintaining a $2,500 minimum daily balance. $2,500 minimum deposit to open. 6 free transactions per month by preauthorized automatic, telephone, check, draft, debit card or other similar order (3 free checks per month; $3 per check thereafter).
Offer: Rate applies to daily balances up to $2,499.99. Avoid the $5 monthly service fee by maintaining a $2,500 minimum daily balance.
0.00% interest rate · $5 monthly fee · Effective Aug 31, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.00% $2,500 – $5,000 0.00% $5,000 – $10,000Monthly service fee waived with $2,500 minimum daily balance. 0.00% $10,000 – $40,000Your amountMonthly service fee waived with $2,500 minimum daily balance. 0.10% $40,000 – $9,999,999Monthly service fee waived with $2,500 minimum daily balance. 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: No monthly service fee. Limited to 6 pre-authorized electronically funded transactions per statement cycle.
Offer: Competitive interest on entire balance. Daily balance required to obtain APY is $10.00.
0.10% interest rate · No monthly fee · Effective Aug 31, 2026
Rate checked
More details - Gouverneur Savings & Loan AssociationPassbook & Statement Savings AccountSavings · $10 min
Bank · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: No maintenance charge for tax reported owners ages under 18 or 60 years old and over. $50.00 balance required to avoid a $5.00 monthly maintenance charge.
Offer: $50.00 minimum balance required to avoid $5.00 monthly maintenance fee. Monthly maintenance fee waived for owners ages under 18 or 60 and over.
0.10% interest rate · $5 monthly fee · Effective Jul 30, 2026
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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