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Adirondack Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 7, 2026
Adirondack Bank's top rates as of October 7, 2026 are 3.04% APY on its 1 Year Certificate of Deposit, 0.05% APY on savings, 0.10% APY on money market accounts, 0.50% APY on checking, and personal loans from 9.75% APR, according to rates verified by MonitorBankRates. Other Adirondack Bank CD rates include 12-Months IRA Certificate 12-Month at 3.04%, 6-Months 6-Month Certificate of Deposit at 2.94%, and 6-Months IRA Certificate 6-Month at 2.94%. MonitorBankRates evaluates the financial stability of Adirondack Bank with a 4.1 Star Rating, an B Overall Health Grade, and a Texas Ratio of 7.18%. Rates last updated and verified on 10/07/2026.
Adirondack Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Adirondack Bank? Share your experience about Adirondack Bank by leaving a review below, or read customer reviews before you decide to use Adirondack Bank.
Overall Health & Safety Grade
?
B
Solid HealthScore: 87/100
Overall Health & Safety Grade
Adirondack Bank has earned an overall safety grade of B (Solid, Score: 87/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
4.1
ExcellentOut of 5.0 Stars
MonitorBankRates Star Rating
Adirondack Bank has earned a Star Rating of 4.1 out of 5 stars (Excellent).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
7.18%
ExcellentHigher than avg
Adirondack Bank Texas Ratio
Adirondack Bank's Texas Ratio is 7.18%, which is considered excellent and is higher than the national average of 5.85%.
Adirondack Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
10.45% to 7.18% over 12 quarters, improvingFull history
Star Rating 3.9 to 4.1, Health Grade B to B
The Texas Ratio for this bank has improved since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Adirondack Bank CD Rates
Product
Rate
APY
Term
View More
1 Year Certificate of Deposit
3.00%
3.04%
1 Year
DetailsTerm: 1 Year to less than 18 Months
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.04% APY · checked 3 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
IRA Certificate 12 month
3.00%
3.04%
12 months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 3.04% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
6 Month Certificate of Deposit
2.90%
2.94%
6 Months
DetailsTerm: 6 Months to less than 1 Year
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 2.94% APY · checked 3 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
IRA Certificate 6 month
2.90%
2.94%
6 months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 2.94% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
47 Month Relationship Plus CD
0.65%
0.65%
47 Month
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.65% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
47 Month Relationship CD
0.60%
0.60%
47 Month
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.60% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
4 Year Certificate of Deposit
0.50%
0.50%
4 Years
DetailsTerm: 4 Years to less than 5 Years
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 3 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
5 Year Certificate of Deposit
0.50%
0.50%
5 Years or more
No additional details.
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 3 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
IRA Certificate 48 month
0.50%
0.50%
48 months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
IRA Certificate 60 month
0.50%
0.50%
60 months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
3 Year Certificate of Deposit
0.40%
0.40%
3 Years
DetailsTerm: 3 Years to less than 4 Years
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 0.40% APY · checked 3 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
30 Month Relationship Plus CD
0.40%
0.40%
30 Month
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.40% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
IRA Certificate 36 month
0.40%
0.40%
36 months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.40% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
30 Month Relationship CD
0.35%
0.35%
30 Month
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.35% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
2 Year Certificate of Deposit
0.25%
0.25%
2 Years
DetailsTerm: 2 Years to less than 3 Years
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 3 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
13 Month Relationship Plus CD
0.20%
0.20%
13 Month
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
18 Month Certificate of Deposit
0.20%
0.20%
18 Months
DetailsTerm: 18 Months to less than 2 Years
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 3 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
18 Month Relationship Plus CD
0.20%
0.20%
18 Month
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
IRA Certificate 24 month
0.20%
0.20%
24 months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
13 Month Relationship CD
0.15%
0.15%
13 Month
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
18 Month Relationship CD
0.15%
0.15%
18 Month
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
3 Month Certificate of Deposit
0.10%
0.10%
3 Months
DetailsTerm: 3 Months to less than 6 Months
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 3 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Adirondack Bank Savings Rates
Product
Rate
APY
View More
Loyalty Savings
0.05%
0.05%
Min Balance$5,000,000
DetailsBalance: $5,000,000 +
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Health Savings Account
0.03%
0.03%
Min Balance$10,000
DetailsBalance: $10,000 and Over
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Loyalty Savings
0.03%
0.03%
Min Balance$500,000
DetailsBalance: $500,000 - $1,999,999.99
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 7 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Loyalty Savings
0.03%
0.03%
Min Balance$2,000,000
DetailsBalance: $2,000,000 - $4,999,999.99
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 7 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Health Savings Account
0.02%
0.02%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999.99
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Adirondack Children's Savings
0.01%
0.01%
Min Deposit$10
Min Balance$1
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 7 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Health Savings Account
0.01%
0.01%
Min Balance$0
DetailsBalance: $0.00 - $2,499.99
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Holiday Club
0.01%
0.01%
Min Deposit$10
Min Balance$10
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 7 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Hometown Savings
0.01%
0.01%
Min Deposit$25
Min Balance$100
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 7 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Loyalty Savings
0.01%
0.01%
Min Deposit$500
Min Balance$0
DetailsBalance: $0.00 - $24,999.99
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 7 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Loyalty Savings
0.01%
0.01%
Min Balance$25,000
DetailsBalance: $25,000 - $99,999.99
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 7 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Loyalty Savings
0.01%
0.01%
Min Balance$100,000
DetailsBalance: $100,000 - $499,999.99
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 7 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Adirondack Bank Money Market Rates
Product
Rate
APY
View More
Money Market IRA+
0.10%
0.10%
Min Deposit$25
Min Balance$0
DetailsBalance: $0.00 - $24,999.99
Last Updated10/07/2026
Rate History
No change since Oct 2, 2026 · 0.10% APY · checked 4 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Money Market IRA+
0.10%
0.10%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/07/2026
Rate History
No change since Oct 2, 2026 · 0.10% APY · checked 4 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Money Market IRA+
0.10%
0.10%
Min Balance$50,000
DetailsBalance: $50,000 +
Last Updated10/07/2026
Rate History
No change since Oct 2, 2026 · 0.10% APY · checked 4 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Loyalty Money Market
0.05%
0.05%
Min Balance$5,000,000
DetailsBalance: $5,000,000 +
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Loyalty Money Market
0.03%
0.03%
Min Balance$250,000
DetailsBalance: $250,000 - $1,999,999.99
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 7 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Loyalty Money Market
0.03%
0.03%
Min Balance$2,000,000
DetailsBalance: $2,000,000 - $4,999,999.99
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 7 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Loyalty Money Market
0.01%
0.01%
Min Deposit$2,500
Min Balance$0
DetailsBalance: $0.00 - $99,999.99
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 7 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Loyalty Money Market
0.01%
0.01%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 7 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Adirondack Bank Checking Rates
Product
Rate
APY
View More
eCO Checking
0.50%
0.50%
Min Balance$0
DetailsQualifications Required: 2 Qualifiers; Up to $15,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 3 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
eCO Checking
0.15%
0.15%
Min Balance$0
DetailsQualifications Required: 1 Qualifier; Up to $15,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 3 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
eCO Checking
0.02%
0.02%
Min Balance$15,000
DetailsOver $15,000
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 6 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Adirondack Bank Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Cars & Trucks 2024, 2025 & 2026 Loan
-
-
6.00%
24 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.00% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
New Cars & Trucks 2024, 2025 & 2026 Loan
-
-
6.00%
36 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.00% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
New Cars & Trucks 2024, 2025 & 2026 Loan
-
-
6.25%
48 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.25% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
New Cars & Trucks 2024, 2025 & 2026 Loan
-
-
6.50%
60 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.50% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Used Cars & Trucks 2017-2023 Loan
-
-
6.50%
24 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.50% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Used Cars & Trucks 2017-2023 Loan
-
-
6.50%
36 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.50% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
New Cars & Trucks 2024, 2025 & 2026 Loan
-
-
6.75%
72 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.75% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Used Cars & Trucks 2017-2023 Loan
-
-
6.75%
48 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.75% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
New Cars & Trucks 2024, 2025 & 2026 Loan
-
-
7.00%
84 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 7.00% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Used Cars & Trucks 2017-2023 Loan
-
-
7.00%
60 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 7.00% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Adirondack Bank RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Motorcycles 2024, 2025 & 2026 Loan
-
6.00%
24 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.00% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
New Motorcycles 2024, 2025 & 2026 Loan
-
6.00%
36 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.00% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
New Motorcycles 2024, 2025 & 2026 Loan
-
6.25%
48 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.25% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
New Boats 2024, 2025 & 2026 Loan
-
6.50%
24 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.50% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
New Boats 2024, 2025 & 2026 Loan
-
6.50%
36 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.50% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
New Motorcycles 2024, 2025 & 2026 Loan
-
6.50%
60 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.50% APR · checked 8 times
No change since Sep 19, 2026 · 7.75% APR · checked 4 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Used Boats 2017-2023 Loan
-
7.75%
84 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 7.75% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Used Recreational Vehicle (Motor Homes, Campers, RVs, Trailers) 2017-2023 Loan
-
7.75%
84 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 7.75% APR · checked 4 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Used Boats 2017-2023 Loan
-
8.25%
120 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 8.25% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Used Recreational Vehicle (Motor Homes, Campers, RVs, Trailers) 2017-2023 Loan
-
8.25%
120 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 19, 2026 · 8.25% APR · checked 4 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Adirondack Bank Personal Loan Rates
Product
APR
Term
View More
Unsecured Personal Installment Loan
9.75%
24 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 9.75% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Unsecured Personal Installment Loan
9.75%
36 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 9.75% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Unsecured Personal Installment Loan
10.00%
48 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 10.00% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Unsecured Personal Installment Loan
10.50%
60 months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 10.50% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Adirondack Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Home Improvement Loan
-
-
8.50%
24 months
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 8.50% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Home Improvement Loan
-
-
8.50%
36 months
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 8.50% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Home Improvement Loan
-
-
9.50%
48 months
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 9.50% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Home Improvement Loan
-
-
9.50%
60 months
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 9.50% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
New Lawn Equipment (Tractors, Mowers) 2024, 2025 & 2026 Loan
-
-
6.50%
24 months
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 6.50% APR · checked 3 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
New Lawn Equipment (Tractors, Mowers) 2024, 2025 & 2026 Loan
-
-
6.50%
36 months
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 6.50% APR · checked 3 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
New Lawn Equipment (Tractors, Mowers) 2024, 2025 & 2026 Loan
-
-
6.75%
48 months
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 6.75% APR · checked 3 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
New Lawn Equipment (Tractors, Mowers) 2024, 2025 & 2026 Loan
-
-
7.00%
60 months
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 7.00% APR · checked 3 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Used Lawn Equipment 2017-2023 Loan
-
-
7.00%
24 months
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 7.00% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Used Lawn Equipment 2017-2023 Loan
-
-
7.00%
36 months
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 7.00% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Used Lawn Equipment 2017-2023 Loan
-
-
7.25%
48 months
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 7.25% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Used Lawn Equipment 2017-2023 Loan
-
-
7.50%
60 months
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 7.50% APR · checked 8 times
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 7.18%
Financial Health History
Adirondack Bank’s Texas Ratio fell from 10.45% in Q3 2023 to 7.18% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 3.9 to 4.1. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.0B
7.18%
4.1
B
March 31, 2026
$1.0B
5.68%
5.0
A+
December 31, 2025
$942M
5.94%
5.0
A+
September 30, 2025
$1.0B
8.74%
5.0
A
June 30, 2025
$960M
10.51%
5.0
A
March 31, 2025
$994M
12.47%
4.9
A-
December 31, 2024
$932M
13.21%
4.9
A-
September 30, 2024
$986M
11.13%
5.0
A
June 30, 2024
$956M
12.13%
4.6
A-
March 31, 2024
$984M
9.95%
4.3
B+
December 31, 2023
$964M
9.41%
4.6
A-
September 30, 2023
$974M
10.45%
3.9
B
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Adirondack Bank is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather Adirondack Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Adirondack Bank's official website for the most current offers and terms.
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Frequently Asked Questions About Adirondack Bank
How many branches does Adirondack Bank operate?
Adirondack Bank currently maintains approximately 19 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, Adirondack Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Adirondack Bank provides members with tools to manage their accounts and build a solid financial history.
Does Adirondack Bank offer online and mobile banking?
Most modern institutions like Adirondack Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.adirondackbank.com.
Current Adirondack Bank Rates
12-Month CD0.15%
18-Month CD0.15%
24-Month CD0.20%
36-Month CD0.40%
48-Month CD0.50%
60-Month CD0.50%
Savings0.05%
MMA0.10%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
