Featured Savings Rates
Featured Accounts

North Country Savings Bank

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.05%Reward CheckingAdvantage Checking
1.00%Reward SavingsKasasa Saver
1.05%5-year CD60 Month We See It Too CD

Overview / Commentary
315-386-4533
127 Main Street
Canton, NY 13617

North Country Savings Bank is headquartered in Canton and is the 110th largest bank in the state of New York. It is also the 2,539th largest bank in the nation. It was established in 1909 and as of September of 2017, it had grown to 67 employees at 4 locations. North Country Savings Bank's money market rates are 36% higher than the national average, and it has an A health rating.

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Reviews (5)

Great local bank

Posted by: Leslie2 | Sep 26, 2014

I have been working with North Country Savings Bank for 8 years. The staff is always friendly. There is never a wait for the inside teller lines. Our mortgage was handled professionally with no glitches. Overall, a wonderful local bank that I would highly recommend to anyone.

Great local bank

Posted by: Leslie3 | Sep 25, 2014

I have been working with North Country Savings Bank for 8 years. The staff is always friendly. There is never a wait for the inside teller lines. Our mortgage was handled professionally with no glitches. Overall, a wonderful local bank that I would highly recommend to anyone.

Great local bank

Posted by: Leslie3 | Sep 25, 2014

I have been working with North Country Savings Bank for 8 years. The staff is always friendly. There is never a wait for the inside teller lines. Our mortgage was handled professionally with no glitches. Overall, a wonderful local bank that I would highly recommend to anyone.

So Far So Good

Posted by: Anonymous | Apr 6, 2010

So far so good.  Transferred large sum to their hi-yield advantage checking back in Nov'09.  Interest rates still 3% apr.

Their website could use some overhaul.  They charge a monthly fee for their MoneyHQ transfer system.  But you don't have to use it.  Can do standard transfer on their regular transfer interface. 

They do require a lot of paperwork, even for simple things like adding an external transfer account at another bank.  But if you are patient and promptly respond to their requests, things go smoothly.

Their qualifications to meet the hi-yield interest are just slightly easier than other banks.  I use their debit card for all my purchases under $10.00.  It's easy to meet their 10 debit transactions monthly using that method. ;-)

Rates Are 2%

Posted by: Anonymous | Nov 18, 2010

Please note that the Rates are down to only 2%.



Health

Health Grade Components

Overall
FDIC Certificate #16030
Year Established1909
Employees67
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.3%
Return on Equity - YTD2.38%
Annual Interest Income$7.2MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$250.2MM$246.9MM
LoansQ3 2017vs Q3 2016$204.4MM$199.5MM
DepositsQ3 2017vs Q3 2016$195.0MM$190.0MM
Equity CapitalQ3 2017vs Q3 2016$32.2MM$31.3MM
Loan Loss AllowanceQ3 2017vs Q3 2016$775.00K$665.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.6MM$1.3MM
Real Estate OwnedQ3 2017vs Q3 2016$318.00K$893.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

North Country Savings Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$50kKasasa Saver
OTHER TIERS: 0.35% $50k+
0.60%*$25k*-IRA Advantage
OTHER TIERS: 0.15% $1k - $10k | 0.45% $10k - $25k
0.10%--Christmas Club
0.10%$50-Statement Savings Account

North Country Savings Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$25k*-Money Market Advantage Account
OTHER TIERS: 0.15% $1k - $10k | 0.45% $10k - $25k
0.15%$2,500-Money Market Demand Account
0.15%$1k-Money Market Statement Savings

North Country Savings Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*-$25kKasasa Cash
OTHER TIERS: 0.35% $25k+
1.05%*-$25kAdvantage Checking
OTHER TIERS: 0.75% $25k+
0.15%$2,500-Premier Interest Checking
0.05%$25-FREE Business Interest Checking
0.05%--Interest Checking Account

North Country Savings Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%$500-5 Year CD
1.05%$500-60 Month We See It Too CD
0.95%$2,500-25 Month CD
0.75%$500-4 Year CD
0.75%$500-48 Month We See It Too CD
0.70%$500-4 Year Step Up CD
0.65%$500-3 Year CD
0.65%$500-36 Month We See It Too CD
0.55%$500-30 Month CD
0.55%$2,500-13 Month CD
0.50%$500-2 Year CD
0.50%$500-24 Month We See It Too CD
0.40%$2,500-7 Month CD
0.30%$500-1 Year CD
0.30%$500-18 Month CD
0.20%$500-6 Month CD

North Country Savings Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.04%$500-5 Year IRA
0.75%$500-4 Year IRA
0.65%$500-3 Year IRA
0.50%$500-2 Year IRA
0.30%$500-1 Year IRA
0.30%$500-18 Month IRA
Locations


North Country Savings Bank Locations
The North Country Savings Bank127 Main StreetCanton, NY 13617
Massena Branch22-24 Phillips StreetMassena, NY 13662
Potsdam Branch31 Main StreetPotsdam, NY 13676
Greene and Caroline Streets BranchGreene and Caroline StreetsOgdensburg, NY 13669