Watertown Savings Bank
ACH Number: 221371356
Watertown Savings Bank is an FDIC insured institution headquartered at
111 Clinton St, Watertown, NY 13601.
It was founded in
1894 and has approximately $1 billion in assets. Customers can open an account at one of its 10 branches.
It was founded in 1894 and has approximately $1 billion in assets. Customers can open an account at one of its 10 branches.
Deposit Rates - March 10, 2026
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.05% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.20% | $10,000 | Compare |
|
6 Mo CD
|
0.20% | $100,000 | Compare |
|
12 Mo CD
|
0.30% | $10,000 | Compare |
|
12 Mo CD
|
0.30% | $100,000 | Compare |
|
18 Mo CD
|
0.36% | $10,000 | Compare |
|
18 Mo CD
|
0.36% | $100,000 | Compare |
|
24 Mo CD
|
0.41% | $10,000 | Compare |
|
24 Mo CD
|
0.41% | $100,000 | Compare |
|
36 Mo CD
|
0.46% | $10,000 | Compare |
|
36 Mo CD
|
0.46% | $100,000 | Compare |
|
48 Mo CD
|
0.51% | $10,000 | Compare |
|
48 Mo CD
|
0.51% | $100,000 | Compare |
|
60 Mo CD
|
0.66% | $10,000 | Compare |
|
60 Mo CD
|
0.66% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.05% | $2,500 | Compare |
|
Money Market
|
0.05% | $10,000 | Compare |
|
Money Market
|
0.05% | $25,000 | Compare |
Loan Rates - March 10, 2026
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year Adjustable Conforming
|
7.57% | $2,237.49 |
|
7 Year Adjustable Conforming
|
7.82% | $2,292.52 |
|
15 Year Fixed Conforming
|
6.99% | $2,854.82 |
|
20 Year Fixed Conforming
|
7.09% | $2,480.96 |
|
30 Year Fixed Conforming
|
7.19% | $2,156.98 |
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year Adjustable Conforming
|
7.57% | $2,237.49 |
|
7 Year Adjustable Conforming
|
7.82% | $2,292.52 |
|
15 Year Fixed Conforming
|
6.99% | $2,854.82 |
|
20 Year Fixed Conforming
|
7.09% | $2,480.96 |
|
30 Year Fixed Conforming
|
7.19% | $2,156.98 |
|
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
5.25% | Varies | ||
Compare with 0 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
Compare with 6.95 RATE Line of Credit from Figure Home Equity
|
||||
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc
|
||||
Compare with 7 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
Compare with 7.25 RATE Line of Credit from Farmers Bank of Kansas City
|
||||
|
5 Year Loan
|
4.36% | $1,857.94 | ||
|
10 Year Loan
|
4.80% | $1,050.91 | ||
| AUTO LOAN RATES | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
3 Year
|
4.25% | $740.88 |
|
4 Year
|
4.25% | $567.28 |
|
5 Year
|
4.25% | $463.24 |
Overview 2026
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 15990 |
| Date Established | 1894 |
| Assets | $ 948.97 million |
| Loans | $ 570.37 million |
| Deposits | $ 773.16 million |
| Capital | $ 168.41 million |
Summary Balance Sheet as of September 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 70.66 million |
| Interest-bearing balances | $ 58.20 million |
| Total securities | $ 233.54 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 570.37 million |
| Loan loss allowance | $ 6.24 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 12.57 million |
| All other assets | $ 47.92 million |
| Total Assets | $ 780.56 million |
| LIABILITIES | |
| Total deposits | $ 773.16 million |
| Interest-bearing deposits | $ 430.17 million |
| Deposits held in domestic offices | $ 773.16 million |
| % insured (estimated)" | 86.02% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 6.07 millionn |
| Total Liabilities | $ 780.56 million |
| Shareholders’ Equity | $ 168.41 million |
Summary Income Statement as of September 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 30.42 million |
| Total Interest Expense | $ 2.72 million |
| Net interest income | $ 27.70 million |
| Provision for loan and lease losses | $ 0.63 million |
| Total non interest income | $ 3.49 million |
| Total non interest expense | $ 16.08 million |
| Pre-tax Net Operating Income | $ 6.11 million |
Customer Reviews for Watertown Savings Bank
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