Schuyler Savings Bank savings, CD and money market rates
Schuyler Savings Bank advertises 0.20% APY on its Kid Savers Account. That is 0.17 percentage points below the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #1364 of 2284 tracked savings rates by advertised APY. For a $10,000 balance it would rank #1211. The advertised rate has not changed in the 2 weeks since Banksparency began tracking it, through 1 Federal Reserve rate move.
Estimate your earnings·What Schuyler Savings Bank actually pays
Schuyler Savings Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 0.20% · Kid Savers Account |
| Minimum to open | $1 · Kid Savers Account |
| Against the national average | 0.17 percentage points below the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 3.75% · 3 months · 91 Day CD |
| Minimum to open | $1,000 · 3 months CD |
| Against the national average | 2.62 percentage points above the 1.13% FDIC 3-month CD average (Sep 2026) |
| Money market | |
| Top money market APY | Up to 0.20% · Premium Tiered Money Market Account · needs at least $50,000 |
| Minimum to open | $10,000 · Premium Tiered Money Market Account |
| Against the national average | 0.43 percentage points below the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 30072 · Kearny, NJ |
|---|---|
| Website | www.schuylersavings.com |
| Branches | 2 branches in NJ |
| Availability | Available in NJ |
Schuyler Savings Bank savings, CD and money market rates
Personal
How the rate applies
IRA
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.03% or more. See the highest savings rates.
Schuyler Savings Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| not stated | 0.15% | $1,000 | 99 Day CD |
| 3 months | 3.75% | $1,000 | 91 Day CD |
| 5 months | 3.65% | $1,000 | 5 Month CD |
| 6 months | 0.20% | $1,000 | 6 Month CD |
| 7 months | 0.25% | $1,000 | 7 Month CD |
| 12 months | 0.25% | $1,000 | 12 Month CD |
| 13 months | 0.15% | $1,000 | 13 Month CD |
| 18 months | 0.35% | $1,000 | 18 Month CD |
| 18 months | 0.35% | $1,000 | 18 Month Flexible CD |
| 24 months | 0.30% | $1,000 | 24 Month CD |
| 30 months | 2.00% | $1,000 | 30 Month CD |
| 36 months | 0.30% | $1,000 | 36 Month CD |
| 36 months | 0.30% | $1,000 | 36 Month Flexible CD |
| 48 months | 0.30% | $1,000 | 48 Month CD |
| 60 months | 0.50% | $1,000 | 60 Month CD |
| IRA CDs | |||
| 18 months | 0.35% | $1,000 | 18 Month Variable CD (IRA Only) |
Interactive Tool
Calculate Savings for Schuyler Savings Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$74.70(0.5%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,074.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Schuyler Savings Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Schuyler Savings Bank paid a higher average rate on savings and money market deposits than 23% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Schuyler Savings Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Kid Savers Account | 0.20% | $1 | $0 | None | not stated | not stated | One rate | |
| Passbook Savings Account | 0.10% | $50 | $0 | None | not stated | not stated | One rate | |
| Statement Savings Account W/ATM Card | 0.10% | $50 | $0 | None | not stated | not stated | One rate | |
| Holiday Club | 0.10% | not stated | $0 | None | not stated | not stated | One rate | |
| Vacation Club | 0.10% | not stated | $0 | None | not stated | not stated | One rate | |
| Premium Tiered Money Market Account | 0.20% | $10,000 | $10,000 | None | not stated | not stated | Tiered | |
| Money Market Passbook | 0.10% | $1,000 | $0 | None | not stated | not stated | One rate |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 99 Day CD | not stated | 0.15% | $1,000 | not stated | not stated |
| 91 Day CD | 3 months | 3.75% | $1,000 | not stated | not stated |
| 5 Month CD | 5 months | 3.65% | $1,000 | not stated | not stated |
| 6 Month CD | 6 months | 0.20% | $1,000 | not stated | not stated |
| 7 Month CD | 7 months | 0.25% | $1,000 | not stated | not stated |
| 12 Month CD | 12 months | 0.25% | $1,000 | not stated | not stated |
| 13 Month CD | 13 months | 0.15% | $1,000 | not stated | not stated |
| 18 Month CD | 18 months | 0.35% | $1,000 | not stated | not stated |
| 18 Month Flexible CD | 18 months | 0.35% | $1,000 | not stated | not stated |
| 24 Month CD | 24 months | 0.30% | $1,000 | not stated | not stated |
| 30 Month CD | 30 months | 2.00% | $1,000 | not stated | not stated |
| 36 Month CD | 36 months | 0.30% | $1,000 | not stated | not stated |
| 36 Month Flexible CD | 36 months | 0.30% | $1,000 | not stated | not stated |
| 48 Month CD | 48 months | 0.30% | $1,000 | not stated | not stated |
| 60 Month CD | 60 months | 0.50% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| 18 Month Variable CD (IRA Only) | 18 months | 0.35% | $1,000 | not stated | not stated |
Opening and using the account
| Availability | Available in NJ |
|---|---|
| Footprint | 2 branches in NJ |
| Eligibility | not stated |
How Schuyler Savings Bank behaves over time
Every observation of the advertised Kid Savers Account rate in the last 12 months was 0.20% (observed through Sep 23, 2026). The series includes promotional tiers where one applied.
Schuyler Savings Bank has not changed its advertised savings rate in the 2 weeks since Banksparency began tracking it, through 1 Federal Reserve rate move.
- Kid Savers Account
- The same as 7 days ago.
- 3 months CD
- The same as 7 days ago.
- Premium Tiered Money Market Account
- The same as 7 days ago.
$10,000 at the 0.20% APY Schuyler Savings Bank advertises on Kid Savers Account grows to $10,020 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,691 does today. See how the federal funds rate shapes savings rates.
Schuyler Savings Bank CD rates over time
Who is Schuyler Savings Bank?
| Headquarters | Kearny, NJ |
|---|---|
| Founded | 1924 |
| Scale | $151M assets · $118M deposits, $116M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 30072 |
| Charter state | New Jersey · one of 50 insured banks chartered there (Q2 2026, FDIC) |
| Size | 3,381st-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 80% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Schuyler Savings Bank pays on deposits above.
Common questions about Schuyler Savings Bank
Is Schuyler Savings Bank FDIC insured?
Yes. Schuyler Savings Bank is FDIC insured under certificate 30072, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Schuyler Savings Bank?
Schuyler Savings Bank requires a minimum deposit of $1 to open its Kid Savers Account, as observed on Sep 23, 2026. Check the bank's current terms before you open an account.
Does Schuyler Savings Bank have branches?
Yes. Schuyler Savings Bank operates 2 branches according to FDIC branch records, in addition to its website and mobile apps.
Schuyler Savings Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Schuyler Savings Bank | 0.20% | 0.73% | $1 | 2 branches in NJ |
| Aroostook County Federal Savings and Loan Association | 0.20% | 1.92% | $5 | 2 branches in ME |
| Bell Bank | 0.20% | 2.47% | $50 | 33 branches in AZ, ID, MN, ND |
| Charles River Bank | 0.20% | 0.55% | $10 | 4 branches in MA |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Schuyler Savings Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in New Jersey, nearest to Schuyler Savings Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: banks in New Jersey.