Event: Deck the Halls, Not Your Wallet
If not careful, the holidays could put your budget in quite a pinch. Join us for an informational event about planning and budgeting for the holidays.
Auto Loans
APR as low as*
Certificates
APY as high as*
Personal Loans
APR as low as*
Money Market
APY as high as*
At State CS, we proudly serve the financial needs of NY State civil service employees, employees of the City of Watertown and of the Watertown City School District – those who dedicate their lives to serving our communities.
You deserve a financial partner who understands your commitment and is dedicated to providing personalized banking solutions tailored to support your goals, both on and off the job. At State CS, you’re more than just a member – you’re part of a community that honors service with service.
Read the Latest State CS News
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What to Do if You’re a Victim of Check Fraud
Finding out you’ve been a victim of check fraud can feel overwhelming. No matter how it happened, one thing is true: acting quickly matters.
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How to Detect Check Fraud Early
Whether a check was stolen from the mail, altered, forged, or used in a scam, the sooner you notice suspicious activity, the better your chances are of limiting financial loss.
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5 Common Types of Check Fraud
Even in a digital world, checks (paper or electronic) contain valuable information that criminals can use to steal money or commit fraud.
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Check Fraud: What it is and how it happens
Check fraud may sound like an old problem, but it’s still one of the fastest-growing types of financial fraud, and it can affect anyone.
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Summer Newsletter
The Summer 2026 newsletter is now available to read. Find your member number hidden in the newsletter and you’ll win $25!
