2. Watertown Savings Bank

Watertown Savings Bank

Popular Accounts at this Bank

APYACCOUNT TYPEHOW THEY COMPARE
2.05%5-year CD
3.10% - Goldman Sachs Bank USA High-yield 5 Year CDAdvertisement
1.02%1-year CD
2.65% - Barclays 12 Month Online CDAdvertisement
0.25%Savings
2.00% - Ally Bank Online Savings AccountAdvertisement
View all Watertown Savings Bank rates »

Overview / Commentary
www.watertownsavingsbank.com
315-788-7100
111 Clinton Street
Watertown, NY 13601

Watertown Savings Bank is headquartered in Watertown and is the 64th largest bank in the state of New York. It is also the 1,103rd largest bank in the nation. It was established in 1894 and as of September of 2018, it had grown to 115 employees at 10 locations. Watertown Savings Bank's CD rates are 13% higher than the national average, and it has an A health rating.

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Health
A

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #15990
Year Established1894
Employees115
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD8.78%
Annual Interest Income$17.6MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$669.7MM$670.7MM
LoansQ3 2018vs Q3 2017$426.2MM$402.7MM
DepositsQ3 2018vs Q3 2017$565.4MM$571.4MM
Equity CapitalQ3 2018vs Q3 2017$99.3MM$94.9MM
Loan Loss AllowanceQ3 2018vs Q3 2017$4.1MM$3.8MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$7.9MM$8.4MM
Real Estate OwnedQ3 2018vs Q3 2017$31.00K$552.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Watertown Savings Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$10k*-Health Savings Account
OTHER TIERS: 0.15% → Up to $5k | 0.25% → $5k - $10k
0.25%$100-Savings
0.25%$100-Christmas Club
0.25%$100-Vacation Club

Watertown Savings Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$100-MMDA

Watertown Savings Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%$500-5 Year CD
1.74%$500-4 Year CD
1.64%$500-3 Year CD
1.53%$500-2 Year CD
1.28%$500-18 Month CD
1.02%$500-1 Year CD
0.56%$500-6 Month CD

Watertown Savings Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%$500-5 Year IRA
1.74%$500-4 Year IRA
1.64%$500-3 Year IRA
1.53%$500-2 Year IRA
1.28%$500-18 Month IRA
1.02%$500-1 Year IRA
0.56%$500-6 Month IRA
Locations


Watertown Savings Bank Locations
Sackets Harbor Branch100 West Main StreetSackets Harbor, NY 13685
Watertown Branch101 Commerce Park DrWatertown, NY 13601
Adams Branch10729 US Route 11Adams, NY 13605
Watertown Savings Bank111 Clinton StreetWatertown, NY 13601
Chaumont Branch12221 Nys Route 12eChaumont, NY 13622
State Street Branch1816 State StreetWatertown, NY 13601
Clayton James St Branch352 James StreetClayton, NY 13624
Alexandria Bay Branch4 Market StreetAlexandria Bay, NY 13607
Clinton Street Branch140 Clinton StreetWatertown, NY 13601

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