Clayton James St Branch, branch of Watertown Savings Bank - 2025
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Watertown Savings Bank : Clayton James St Branch

352 James Street
Clayton, NY 13624

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Deposit Rates - December 30, 2025

CD RATES APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Compare
6 Mo CD
0.20% $100,000 $199,999 Compare
12 Mo CD
0.30% $10,000 $14,999 Compare
12 Mo CD
0.30% $100,000 $199,999 Compare
18 Mo CD
0.36% $10,000 $14,999 Compare
18 Mo CD
0.36% $100,000 $199,999 Compare
24 Mo CD
0.41% $10,000 $14,999 Compare
24 Mo CD
0.41% $100,000 $199,999 Compare
36 Mo CD
0.46% $10,000 $14,999 Compare
36 Mo CD
0.46% $100,000 $199,999 Compare
48 Mo CD
0.51% $10,000 $14,999 Compare
48 Mo CD
0.51% $100,000 $199,999 Compare
60 Mo CD
0.66% $10,000 $14,999 Compare
60 Mo CD
0.66% $100,000 $199,999 Compare
SAVINGS RATES APY MIN MAX
Savings
0.05% $2,500 $4,999 Compare
MM RATES APY MIN MAX
Money Market
0.05% $2,500 $2,999 Compare
Money Market
0.05% $10,000 $14,999 Compare
Money Market
0.05% $25,000 $29,999 Compare

Loan Rates - December 30, 2025

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
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
See Other Mortgage Rates →
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
5.25% Varies
Compare with 0 RATE Line of Credit from PenFed Credit Union PenFed Credit Union
Compare with 6.24 RATE Line of Credit from Third Federal Savings and Loan Third Federal Savings and Loan
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc Reliant Home Funding, Inc
Compare with 6.95 RATE Line of Credit from Figure Home Equity Figure Home Equity
Compare with 7 RATE Line of Credit from Four Leaf Federal Credit Union Four Leaf Federal Credit Union
Compare with 8.5 RATE Line of Credit from Farmers Bank of Kansas City Farmers Bank of Kansas City
5 Year Loan
4.36% $1,857.94
10 Year Loan
4.80% $1,050.91
See Other Home Equity Rates →
AUTO LOAN RATES APR(%) MONTHLY PAYMENT
3 Year
4.25% $740.88
4 Year
4.25% $567.28
5 Year
4.25% $463.24

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