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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Adirondack Bank Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: March 24, 2026
Adirondack Bank's IRA Certificate 6-Month rates are at 2.78%, IRA Certificate 12-Month rates are at 2.73%, 47-Month Relationship Plus CD** rates are at 0.65%, 47-Month Relationship CD* rates are at 0.60%, IRA Certificate 48-Month rates are at 0.50%. Adirondack Bank's savings rates are at 0.01%. Adirondack Bank's money market rates are at 0.01%. Adirondack Bank's Personal Loan Rates are at 6.50%. MonitorBankRates evaluates the financial stability of Adirondack Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.45%. Rates were last updated on 03/24/2026. 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. 
Adirondack Bank CD Rates
Adirondack Bank Savings Rates
Adirondack Bank Money Market Rates
Adirondack Bank Checking Rates
Adirondack Bank Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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.
Bank Profile & Overview
Institution Name
Adirondack Bank
Bank Holding Company
ADIRONDACK BCORP INC
Address
185 Genesee St,
Utica, NY 13501 · Oneida
Website
https://www.adirondackbank.com
FDIC Certificate #
28380
Established
01/01/1898
FDIC Insurance Date
08/09/1989
Domestic Offices
19
Total Branches
19
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 95/100
5.0
Exceptional
Out of 5.0 Stars
10.45%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.5224%
Return on Equity (ROE)
8.5600%
Non-Performing Loans (NPL)
0.64%
Total Assets
$941,604,000
Total Deposits
$848,093,000
Equity Capital
$74,525,000
Net Income
$4,350,000
Headquarters
Utica
Total Offices
19
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Adirondack BankIs Adirondack Bank a safe place to deposit money?Yes, Adirondack Bank is considered a safe financial institution. With a Texas Ratio of 10.445348352107%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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