Savings Account Options in Carthage, Clayton, and Watertown, NY

Statement Savings

Building solid savings is a great way to provide a safety net for you and your family. Our Regular Savings account is a simple solution that earns you interest on your entire balance.

Money Market Accounts

Experience the best of both worlds with a United American Bank money market. You’ll enjoy interest that increases along with your balance — plus, you still maintain access to funds.

Certificates of Deposit (CDs)

A risk-free investment strategy where your money can grow safely — that’s what you can expect from a CD. Plus, fixed rates and concrete terms so you never have to worry about your savings.

Individual Retirement Accounts (IRAs)


Our IRA specialists can assist in the 401K transfer process. No 401K to tranfer? We can assist in opening a new IRA to begin your retirement savings account today.

Save for your retirement, while experiencing major tax advantages. We have Traditional and Roth IRAs, so you can choose which is best for you — and retire with peace of mind.