Your Trusted Local Bank in Watertown, NY

As a customer-owned mutual association, Carthage Savings works solely for our customers rather than stockholders. Because of this distinction, your local bank works hard to offer our customers the best deals and best rates possible on all products whether they are looking for checking options, savings options, or loan opportunities. Not only that but with over 127 years of serving the local communities, we have ample experience in not only banking but also in doing business with the great communities where we live.

Carthage Savings Checking Accounts:

  • Business Accounts
  • High Interest Accounts
  • Debit Linked MasterCard Accounts
  • VIP Interest Accounts (Free)
  • 50+ Interest Accounts (Free)
  • Free Checking Accounts

Savings Options Offered by Carthage Savings:

  • Statement Saving Accounts
  • Money Market Saving Accounts
  • Certificates of Deposit (CDs)
  • Individual Retirement Accounts (IRAs)

Carthage Savings Lending Options:

  • VA Mortgage Loans
  • Conventional Home Mortgage Loans
  • Seasonal Home Mortgage Loans
  • Automobile Loans
  • Recreational Vehicle Loans
  • Personal Loans
  • Home Improvement Loans
  • Rural Development Loans

With over $190,000,000 in assets and a $150,000,000 loan portfolio that is primarily funded locally, we have the capital to compete with national banks and lending companies, but we have the exceptional customer service that local community banks are known for. As one of Watertown's local community banks, we continue to strive to offer our members the highest quality products and services at the lowest possible costs. Not only that, but we believe that we are intimately tied to the economic well-being of Watertown, and we are dedicated to being a part of the community's financial prosperity.


Carthage Savings
146 Arsenal Street
Watertown, NY 13601

(315) 779-9775


Hours of Operation:

Mon-Fri 9:00am - 5:00pm
Sat 9:00 a.m - 12:00 p.m.

Drive Through
Mon - Fri 8:30 a.m. - 5:00 p.m.
Sat 9:00 - 12:00pm

If you would like to find out more about Carthage Savings, please stop by our office or call during business hours to speak to one of our friendly customer service associates.