Watertown Savings Bank

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.watertownsavingsbank.com

315-788-7100

111 Clinton Street
Watertown, NY 13601

Watertown Savings Bank is headquartered in WATERTOWN and is the 57^th largest bank in the state of New York. It is also the 1,118^th largest bank in the nation. It was established in 1894 and as of March of 2025, it had grown to 119 employees at 10 locations. Watertown Savings Bank's CD rates are 4X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	15990
Year Established	1894
Employees	119
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.69%
Return on Equity - YTD	9.94%
Annual Interest Income	$9.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$925.4MM$920.3MM
Loans	Q1 2025vs Q1 2024	$560.3MM$520.8MM
Deposits	Q1 2025vs Q1 2024	$760.2MM$774.2MM
Equity Capital	Q1 2025vs Q1 2024	$158.6MM$139.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$6MM$6MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$13.7MM$8.5MM
Real Estate Owned	Q1 2025vs Q1 2024	$40K$172K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.10%	$100	-	Savings
0.10%	$100	-	Christmas Club
0.10%	$100	-	Vacation Club
0.10%^*	$5k^*	-	Health Savings Account
OTHER TIERS: 0.05% → $100 - $5k

Watertown Savings Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$100	-	MMDA

Watertown Savings Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.35%	$500	-	1 Year CD
1.53%	$500	-	18 Month CD
1.02%	$500	-	5 Year CD
0.97%	$500	-	4 Year CD
0.92%	$500	-	3 Year CD
0.87%	$500	-	2 Year CD
0.76%	$500	-	6 Month CD

Watertown Savings Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.35%	$500	-	1 Year IRA
1.53%	$500	-	18 Month IRA
1.02%	$500	-	5 Year IRA
0.97%	$500	-	4 Year IRA
0.92%	$500	-	3 Year IRA
0.87%	$500	-	2 Year IRA
0.76%	$500	-	6 Month IRA

Locations

Cities: Adams, Alexandria Bay, Chaumont, Clayton, Sackets Harbor, Watertown

Adams Branches
Adams Branch	10729 US Route 11	Adams, NY 13605

Alexandria Bay Branches
Alexandria Bay Branch	4 Market Street	Alexandria Bay, NY 13607

Chaumont Branches
Chaumont Branch	12221 Nys Route 12e	Chaumont, NY 13622

Clayton Branches
Clayton James St Branch	352 James Street	Clayton, NY 13624

Sackets Harbor Branches
Sackets Harbor Branch	100 West Main Street	Sackets Harbor, NY 13685

Watertown Branches
Watertown Branch	101 Commerce Park Dr	Watertown, NY 13601
Watertown Savings Bank	111 Clinton St	Watertown, NY 13601
State Street Branch	1816 State Street	Watertown, NY 13601
Wsb Municipal Bank Branch	111 Clinton Street	Watertown, NY 13601
Clinton Street Branch	140 Clinton Street	Watertown, NY 13601

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