The North Country Savings Bank savings, CD and money market rates
The North Country Savings Bank's NCSB Premium Rewards/ Cashback Rewards Savings- Qualified advertises 3.56% APY. That is 3.18 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
The rate needs a linked account at the bank.
Ranked #172 of 3121 tracked savings rates by advertised APY. For a $10,000 balance it would rank #105.
Estimate your earnings·What The North Country Savings Bank actually pays
The North Country Savings Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 3.56% · NCSB Premium Rewards/ Cashback Rewards Savings- Qualified · needs a linked account at the bank |
| Minimum to open | $50 · NCSB Premium Rewards/ Cashback Rewards Savings- Qualified |
| Against the national average | 3.18 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 3.56% · 13 months · Thirteen Month Relationship CD · needs a linked account at the bank |
| Minimum to open | $1,000 · 13 months CD |
| Against the national average | 1.80 percentage points above the 1.76% FDIC 12-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 1.01% · Money Market Advantage Account · needs at least $75,000 |
| Minimum to open | $50 · Money Market Advantage Account |
| Against the national average | 0.38 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 16030 · Canton, NY |
|---|---|
| Website | northcountrysavings.bank |
| Branches | 8 branches in NY |
| Availability | Available in NY |
The North Country Savings Bank savings, CD and money market rates
Personal
How the rate applies
IRA
How the rate applies
Business
Rates are APY. The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. 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 4.20% or more. See the highest savings rates.
The North Country Savings Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 6 months | 0.10% | $1,000 | Six Month CD |
| 7 months | 3.14% | $1,000 | Seven Month CD |
| 7 months | 3.45% | $1,000 | Seven Month Relationship CD |
| 12 months | 0.10% | $1,000 | Twelve Month CD |
| 13 months | 3.04% | $1,000 | Thirteen Month CD |
| 13 months | 3.56% | $1,000 | Thirteen Month Relationship CD |
| 18 months | 0.10% | $1,000 | Eighteen Month CD |
| 24 months | 2.53% | $1,000 | Twenty Four Month CD |
| 30 months | 0.20% | $1,000 | Thirty Month CD |
| 36 months | 2.78% | $1,000 | Thirty Six Month CD |
| 48 months | 2.99% | $1,000 | Forty Eight Month CD |
| 48 months | 0.25% | $1,000 | Forty Eight Month "Step Up" CD |
| 60 months | 3.04% | $1,000 | Sixty Month CD |
| IRA CDs | |||
| 6 months | 0.10% | $1,000 | IRA Six Month CD |
| 7 months | 3.14% | $1,000 | IRA Seven Month CD |
| 7 months | 3.44% | $1,000 | IRA Seven Month Relationship CD |
| 12 months | 0.10% | $1,000 | IRA Twelve Month CD |
| 13 months | 3.03% | $1,000 | IRA Thirteen Month CD |
| 13 months | 3.55% | $1,000 | IRA Thirteen Month Relationship CD |
| 18 months | 0.10% | $1,000 | IRA Eighteen Month CD |
| 24 months | 2.52% | $1,000 | IRA Twenty Four Month CD |
| 36 months | 2.78% | $1,000 | IRA Thirty Six Month CD |
| 48 months | 2.98% | $1,000 | IRA Forty Eight Month CD |
| 60 months | 3.03% | $1,000 | IRA Sixty Month CD |
| Business CDs | |||
| 3 months | 4.07% | $1,000 | Three Month Business CD |
Interactive Tool
Calculate Savings for The North Country Savings Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$1,387.70(9.0%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,387.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What The North Country 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, The North Country Savings Bank paid a higher average rate on savings and money market deposits than 30% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- The North Country 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 |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| NCSB Premium Rewards/ Cashback Rewards Savings- Qualified | 3.56% | $50 | $0 | None | not stated | Linked account at the bank · direct deposit not stated | One rate | |
| Fine print: A Rewards Checking account is required. This rate applies in a cycle in which its qualifications are met. | ||||||||
| Christmas Clubs | 0.10% | $1 | $0 | None | not stated | not stated | One rate | |
| Fine print: No withdrawals are allowed until the maturity date. | ||||||||
| NCSB Premium Rewards/ Cashback Rewards Savings- Unqualified | 0.05% | $50 | $0 | None | not stated | Linked account at the bank · direct deposit not stated | One rate | |
| Fine print: A Rewards Checking account is required. This rate applies in a cycle in which its qualifications are not met. | ||||||||
| Statement Savings Account | 0.05% | $50 | $0 | None | not stated | not stated | One rate | |
| Startastic Savings Account | 0.05% | $5 | $0 | None | not stated | not stated | One rate | |
| Money Market Advantage Account | Up to 1.01% | $50 | $1,000 | None | not stated | not stated | Tiered | |
| Money Market Statement Savings Account | 0.05% | $50 | $0 | None | not stated | not stated | One rate | |
| Money Market Demand Account | 0.03% | $2,500 | $0 | None | not stated | not stated | One rate | |
| IRA | ||||||||
| IRA Advantage | Up to 0.15% | $50 | $1,000 | None | not stated | not stated | Tiered | |
Fine print for 2 products above: The account has no ATM access and no check-writing authority.
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 | |||||
| Six Month CD | 6 months | 0.10% | $1,000 | not stated | not stated |
| Seven Month CD | 7 months | 3.14% | $1,000 | not stated | not stated |
| Seven Month Relationship CD | 7 months | 3.45% | $1,000 | not stated | not stated |
| Twelve Month CD | 12 months | 0.10% | $1,000 | not stated | not stated |
| Thirteen Month CD | 13 months | 3.04% | $1,000 | not stated | not stated |
| Thirteen Month Relationship CD | 13 months | 3.56% | $1,000 | not stated | not stated |
| Eighteen Month CD | 18 months | 0.10% | $1,000 | not stated | not stated |
| Twenty Four Month CD | 24 months | 2.53% | $1,000 | not stated | not stated |
| Thirty Month CD | 30 months | 0.20% | $1,000 | not stated | not stated |
| Thirty Six Month CD | 36 months | 2.78% | $1,000 | not stated | not stated |
| Forty Eight Month CD | 48 months | 2.99% | $1,000 | not stated | not stated |
| Forty Eight Month "Step Up" CD | 48 months | 0.25% | $1,000 | not stated | not stated |
| Fine print: The account has a one-time option to move to a higher rate if rates rise during the term. | |||||
| Sixty Month CD | 60 months | 3.04% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| IRA Six Month CD | 6 months | 0.10% | $1,000 | not stated | not stated |
| IRA Seven Month CD | 7 months | 3.14% | $1,000 | not stated | not stated |
| IRA Seven Month Relationship CD | 7 months | 3.44% | $1,000 | not stated | not stated |
| IRA Twelve Month CD | 12 months | 0.10% | $1,000 | not stated | not stated |
| IRA Thirteen Month CD | 13 months | 3.03% | $1,000 | not stated | not stated |
| IRA Thirteen Month Relationship CD | 13 months | 3.55% | $1,000 | not stated | not stated |
| IRA Eighteen Month CD | 18 months | 0.10% | $1,000 | not stated | not stated |
| IRA Twenty Four Month CD | 24 months | 2.52% | $1,000 | not stated | not stated |
| IRA Thirty Six Month CD | 36 months | 2.78% | $1,000 | not stated | not stated |
| IRA Forty Eight Month CD | 48 months | 2.98% | $1,000 | not stated | not stated |
| IRA Sixty Month CD | 60 months | 3.03% | $1,000 | not stated | not stated |
| Business CDs | |||||
| Three Month Business CD | 3 months | 4.07% | $1,000 | not stated | not stated |
Fine print for 2 CDs above: A Rewards Checking account and a Rewards Savings account must both be maintained to open this certificate.
Opening and using the account
| Availability | Available in NY |
|---|---|
| Footprint | 8 branches in NY |
| Eligibility | not stated |
How The North Country Savings Bank behaves over time
Every observation of the advertised NCSB Premium Rewards/ Cashback Rewards Savings- Qualified rate in the last 12 months was 3.56% (observed through Oct 17, 2026). The series includes promotional tiers where one applied.
- NCSB Premium Rewards/ Cashback Rewards Savings- Qualified
- The same as 30 days ago.
- 13 months CD
- The same as 30 days ago.
- Rate last changed
- Aug 15, 2026(effective date)
$10,000 at the 3.56% APY The North Country Savings Bank advertises on NCSB Premium Rewards/ Cashback Rewards Savings- Qualified grows to $10,356 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,983 does today. See how the federal funds rate shapes savings rates.
The North Country Savings Bank CD rates over time
Who is The North Country Savings Bank?
| Headquarters | Canton, NY |
|---|---|
| Founded | 1909 |
| Scale | $373M assets · $297M deposits, $258M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 16030 |
| Charter state | New York · one of 107 insured banks chartered there (Q2 2026, FDIC) |
| Size | 2,241st-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 55% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What The North Country Savings Bank pays on deposits above.
Common questions about The North Country Savings Bank
Is The North Country Savings Bank FDIC insured?
Yes. The North Country Savings Bank is FDIC insured under certificate 16030, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at The North Country Savings Bank?
The North Country Savings Bank requires a minimum deposit of $50 to open its NCSB Premium Rewards/ Cashback Rewards Savings- Qualified account, as observed on Oct 17, 2026. Check the bank's current terms before you open an account.
Does The North Country Savings Bank have branches?
Yes. The North Country Savings Bank operates 8 branches according to FDIC branch records, in addition to its website and mobile apps.
The North Country Savings Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| The North Country Savings Bank | 3.56% | 0.94% | $50 | 8 branches in NY |
| Atkins Savings Bank & Trust | 3.56% | 1.76% | $25,000 | 1 branch in IA |
| Badger Bank | Up to3.56% | 0.86% | not stated | 4 branches in WI |
| Bogota Savings Bank | Up to3.56% | 3.46% | $100 | 9 branches in NJ |
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 The North Country Savings Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in New York, nearest to The North Country Savings Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in New York, money market rates in New York, and banks in New York.