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Adirondack Bank Rates & Review November 2026

Q: What are the current interest rates at Adirondack Bank?

Current rates for Adirondack Bank include: 12-Month CD: 0.15%, 18-Month CD: 0.15%, 24-Month CD: 0.20%, 36-Month CD: 0.40%, 48-Month CD: 0.50%, 60-Month CD: 0.50%, Savings: 0.05%, MMA: 0.10%

Q: What CD terms does Adirondack Bank offer?

Adirondack Bank CD rates are 2.94% APY for a 6 month CD, 3.04% APY for a 12 month CD, 0.15% APY for an 18 month CD, 0.20% APY for a 2 year CD, 0.40% APY for a 3 year CD, 0.65% APY for a 47 month CD, 0.50% APY for a 4 year CD and 0.50% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Adirondack Bank for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Adirondack Bank's 1 Year CD rates are at 3.04%, 6-Month CD rates are at 2.94%, 47-Month Relationship Plus CD rates are at 0.65%, 47-Month Relationship CD rates are at 0.60%, 4 Year CD rates are at 0.50%. Adirondack Bank's savings rates are at 0.05%. Adirondack Bank's money market rates are at 0.10%. Adirondack Bank's checking rates are as high as 0.50%. Adirondack Bank's Personal Loan Rates are as low as 9.75%. Adirondack Bank's top CD rate of 3.04% APY on a 12 month CD is in line with the MonitorBankRates national average of 3.03% APY for that term, and it has a B health rating. 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 11/05/2026.

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

Solid Health Score: 87/100

MonitorBankRates Rating

4.1

Excellent Out of 5.0 Stars

Texas Ratio

7.18%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Adirondack Bank

185 Genesee St
Utica, NY 13501

https://www.adirondackbank.com

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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	Min. Deposit
1-Year CD	3.00%	3.04%	1 Year	$1,000
Min Deposit $1,000 Details Term: 1 Year to less than 18 Months; Minimum to open and minimum to obtain APY is $1,000.00; rates applicable for CDs under $100,000 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 3.04% APY · checked 9 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
IRA CD 12-month	3.00%	3.04%	12 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.04% APY · checked 13 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
6-Month CD	2.90%	2.94%	6 Months	$1,000
Min Deposit $1,000 Details Term: 6 Months to less than 1 Year; Minimum to open and minimum to obtain APY is $1,000.00; rates applicable for CDs under $100,000 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.94% APY · checked 9 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
IRA CD 6-month	2.90%	2.94%	6 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.94% APY · checked 13 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	$1,000
Min Deposit $1,000 Details Must have an eCO Checking Account with Direct Deposit; minimum to open and minimum to obtain APY is $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.65% APY · checked 12 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
47-Month Relationship CD	0.60%	0.60%	47 Month	$1,000
Min Deposit $1,000 Details Must have a Hometown or Campus Checking Account with Direct Deposit; minimum to open and minimum to obtain APY is $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.60% APY · checked 12 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
4-Year CD	0.50%	0.50%	4 Years	$1,000
Min Deposit $1,000 Details Term: 4 Years to less than 5 Years; Minimum to open and minimum to obtain APY is $1,000.00; rates applicable for CDs under $100,000 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 9 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
5-Year CD	0.50%	0.50%	5 Years or more	$1,000
Min Deposit $1,000 Details Minimum to open and minimum to obtain APY is $1,000.00; rates applicable for CDs under $100,000 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 9 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
IRA CD 48-month	0.50%	0.50%	48 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 13 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
IRA CD 60-month	0.50%	0.50%	60 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 13 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
3-Year CD	0.40%	0.40%	3 Years	$1,000
Min Deposit $1,000 Details Term: 3 Years to less than 4 Years; Minimum to open and minimum to obtain APY is $1,000.00; rates applicable for CDs under $100,000 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.40% APY · checked 9 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	$1,000
Min Deposit $1,000 Details Must have an eCO Checking Account with Direct Deposit; minimum to open and minimum to obtain APY is $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 12 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
IRA CD 36-month	0.40%	0.40%	36 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 13 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
30-Month Relationship CD	0.35%	0.35%	30 Month	$1,000
Min Deposit $1,000 Details Must have a Hometown or Campus Checking Account with Direct Deposit; minimum to open and minimum to obtain APY is $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.35% APY · checked 12 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
2-Year CD	0.25%	0.25%	2 Years	$1,000
Min Deposit $1,000 Details Term: 2 Years to less than 3 Years; Minimum to open and minimum to obtain APY is $1,000.00; rates applicable for CDs under $100,000 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 9 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	$1,000
Min Deposit $1,000 Details Must have an eCO Checking Account with Direct Deposit; minimum to open and minimum to obtain APY is $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 12 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
18-Month CD	0.20%	0.20%	18 Months	$1,000
Min Deposit $1,000 Details Term: 18 Months to less than 2 Years; Minimum to open and minimum to obtain APY is $1,000.00; rates applicable for CDs under $100,000 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 9 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	$1,000
Min Deposit $1,000 Details Must have an eCO Checking Account with Direct Deposit; minimum to open and minimum to obtain APY is $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 12 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
IRA CD 24-month	0.20%	0.20%	24 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 13 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
13-Month Relationship CD	0.15%	0.15%	13 Month	$1,000
Min Deposit $1,000 Details Must have a Hometown or Campus Checking Account with Direct Deposit; minimum to open and minimum to obtain APY is $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 12 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
18-Month Relationship CD	0.15%	0.15%	18 Month	$1,000
Min Deposit $1,000 Details Must have a Hometown or Campus Checking Account with Direct Deposit; minimum to open and minimum to obtain APY is $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 12 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
3-Month CD	0.10%	0.10%	3 Months	$1,000
Min Deposit $1,000 Details Term: 3 Months to less than 6 Months; Minimum to open and minimum to obtain APY is $1,000.00; rates applicable for CDs under $100,000 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 9 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%

Adirondack Bank Savings Rates

Product	Rate	APY
Loyalty Savings	0.05%	0.05%
Min Balance $5,000,000 Details Tier 6; Balance: $5,000,000 and over Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 14 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 Details Balance: $10,000 and Over; Tier 3 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 13 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Loyalty Savings	0.03%	0.03%
Min Balance $500,000 Details Tier 4; Balance: $500,000 - $1,999,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 14 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 Details Tier 5; Balance: $2,000,000 - $4,999,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 14 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 Details Balance: $2,500 - $9,999.99; Tier 2 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 13 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 Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Health Savings Account	0.01%	0.01%
Min Balance $0 Details Balance: $0.00 - $2,499.99; Tier 1 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 13 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 Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 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 Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 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 Details Tier 1; Balance: $0.00 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Loyalty Savings	0.01%	0.01%
Min Balance $25,000 Details Tier 2; Balance: $25,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Loyalty Savings	0.01%	0.01%
Min Balance $100,000 Details Tier 3; Balance: $100,000 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%

Adirondack Bank Money Market Rates

Product	Rate	APY
Money Market IRA+	0.10%	0.10%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 - $24,999.99; Tier 1 Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.10% APY · checked 11 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 Details Balance: $25,000 - $49,999.99; Tier 2 Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.10% APY · checked 11 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 Details Balance: $50,000 +; Tier 3 Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.10% APY · checked 11 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 Details Balance: $5,000,000 +; Tier 5 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 14 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 Details Balance: $250,000 - $1,999,999.99; Tier 3 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 14 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 Details Balance: $2,000,000 - $4,999,999.99; Tier 4 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 14 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 Details Balance: $0.00 - $99,999.99; Tier 1 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 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 Details Balance: $100,000 - $249,999.99; Tier 2 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%

Adirondack Bank Checking Rates

Product	Rate	APY
eCO Checking - 2 Qualifiers	0.50%	0.50%
Details Qualifiers: 2 Qualifiers; Balance: Up to $15,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
eCO Checking - 1 Qualifier	0.15%	0.15%
Details Qualifiers: 1 Qualifier; Balance: Up to $15,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
eCO Checking	0.02%	0.02%
Min Balance $15,000 Details Balance: Balances over $15,000; Balance: Over $15,000 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 13 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
eCO Checking - 0 Qualifiers	0.00%	0.00%
Min Deposit $25 Min Balance $0 Details Qualifiers: 0 Qualifiers; Minimum to obtain APY: $0 Last Updated 11/05/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%

Adirondack Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New Cars & Trucks 2024, 2025 & 2026 Loan	-	-	6.00%	24 months
Details Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.00% APR · checked 15 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
Details Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.00% APR · checked 15 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
Details Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.25% APR · checked 15 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
Details Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.50% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Cars & Trucks 2017-2023 Loan	-	-	6.50%	24 months
Details Maximum term (months) Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.50% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Cars & Trucks 2017-2023 Loan	-	-	6.50%	36 months
Details Maximum term (months) Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.50% APR · checked 15 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
Details Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.75% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Cars & Trucks 2017-2023 Loan	-	-	6.75%	48 months
Details Maximum term (months) Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.75% APR · checked 15 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
Details Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 7.00% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Cars & Trucks 2017-2023 Loan	-	-	7.00%	60 months
Details Maximum term (months) Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 7.00% APR · checked 15 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
New Motorcycles 2024, 2025 & 2026 Loan	-	6.00%	24 months
Details Maximum term; 0.125% consumer loan rate discount with automatic payments from an Adirondack Bank checking/savings account Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.00% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
New Motorcycles 2024, 2025 & 2026 Loan	-	6.00%	36 months
Details Maximum term; 0.125% consumer loan rate discount with automatic payments from an Adirondack Bank checking/savings account Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.00% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
New Motorcycles 2024, 2025 & 2026 Loan	-	6.25%	48 months
Details Maximum term; 0.125% consumer loan rate discount with automatic payments from an Adirondack Bank checking/savings account Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.25% APR · checked 15 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 Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.50% APR · checked 15 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 Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.50% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
New Motorcycles 2024, 2025 & 2026 Loan	-	6.50%	60 months
Details Maximum term; 0.125% consumer loan rate discount with automatic payments from an Adirondack Bank checking/savings account Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.50% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
New Recreational Vehicle (Motor Homes, Campers, RVs, Trailers) 2024, 2025 & 2026 Loan	-	6.50%	24 months
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 6.50% APR · checked 11 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
New Recreational Vehicle (Motor Homes, Campers, RVs, Trailers) 2024, 2025 & 2026 Loan	-	6.50%	36 months
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 6.50% APR · checked 11 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Motorcycles 2017-2023 Loan	-	6.50%	24 months
Details Maximum term (months): 24 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.50% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Motorcycles 2017-2023 Loan	-	6.50%	36 months
Details Maximum term (months): 36 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.50% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
New Boats 2024, 2025 & 2026 Loan	-	6.75%	48 months
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.75% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
New Motorcycles 2024, 2025 & 2026 Loan	-	6.75%	72 months
Details Maximum term; 0.125% consumer loan rate discount with automatic payments from an Adirondack Bank checking/savings account Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.75% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
New Recreational Vehicle (Motor Homes, Campers, RVs, Trailers) 2024, 2025 & 2026 Loan	-	6.75%	48 months
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 6.75% APR · checked 11 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Motorcycles 2017-2023 Loan	-	6.75%	48 months
Details Maximum term (months): 48 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.75% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
New Boats 2024, 2025 & 2026 Loan	-	7.00%	60 months
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 7.00% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
New Motorcycles 2024, 2025 & 2026 Loan	-	7.00%	84 months
Details Maximum term; 0.125% consumer loan rate discount with automatic payments from an Adirondack Bank checking/savings account Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 7.00% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
New Recreational Vehicle (Motor Homes, Campers, RVs, Trailers) 2024, 2025 & 2026 Loan	-	7.00%	60 months
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 7.00% APR · checked 11 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Boats 2017-2023 - 24 Months Loan	-	7.00%	24 months
Details Maximum term; Effective Date 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.00% APR · checked 6 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Boats 2017-2023 - 36 Months Loan	-	7.00%	36 months
Details Maximum term; Effective Date 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.00% APR · checked 6 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Boats 2017-2023 Loan	-	7.00%	24 months
Details Maximum term; Monthly P&I Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Oct 14, 20267.00%▲ from 6.50% Sep 15, 20266.50%first recorded Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Boats 2017-2023 Loan	-	7.00%	36 months
Details Maximum term; Monthly P&I Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Oct 14, 20267.00%▲ from 6.50% Sep 15, 20266.50%first recorded Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Motorcycles 2017-2023 Loan	-	7.00%	60 months
Details Maximum term (months): 60 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 7.00% APR · checked 15 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	-	7.00%	24 months
Details Model Year: 2017-2023 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 7.00% APR · checked 11 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	-	7.00%	36 months
Details Model Year: 2017-2023 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 7.00% APR · checked 11 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
New Boats 2024, 2025 & 2026 Loan	-	7.25%	84 months
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 7.25% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
New Recreational Vehicle (Motor Homes, Campers, RVs, Trailers) 2024, 2025 & 2026 Loan	-	7.25%	84 months
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 7.25% APR · checked 11 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Boats 2017-2023 - 48 Months Loan	-	7.25%	48 months
Details Maximum term; Effective Date 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.25% APR · checked 6 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Boats 2017-2023 Loan	-	7.25%	48 months
Details Maximum term; Monthly P&I Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75% Oct 14, 20267.25%▲ from 6.75% Sep 15, 20266.75%first recorded Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Recreational Vehicle (Motor Homes, Campers, RVs, Trailers) 2017-2023 Loan	-	7.25%	48 months
Details Model Year: 2017-2023 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 7.25% APR · checked 11 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Boats 2017-2023 - 60 Months Loan	-	7.50%	60 months
Details Maximum term; Effective Date 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.50% APR · checked 6 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Boats 2017-2023 Loan	-	7.50%	60 months
Details Maximum term; Monthly P&I Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 7.00% → 7.50% ▲ 0.50 pts · high 7.50% / low 7.00% Oct 14, 20267.50%▲ from 7.00% Sep 15, 20267.00%first recorded Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Recreational Vehicle (Motor Homes, Campers, RVs, Trailers) 2017-2023 Loan	-	7.50%	60 months
Details Model Year: 2017-2023 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 7.50% APR · checked 11 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
New Boats 2024, 2025 & 2026 Loan	-	7.75%	120 months
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 7.75% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
New Recreational Vehicle (Motor Homes, Campers, RVs, Trailers) 2024, 2025 & 2026 Loan	-	7.75%	120 months
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 7.75% APR · checked 11 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Boats 2017-2023 - 84 Months Loan	-	7.75%	84 months
Details Maximum term; Effective Date 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.75% APR · checked 6 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
Details Model Year: 2017-2023 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 7.75% APR · checked 11 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Used Boats 2017-2023 - 120 Months Loan	-	8.25%	120 months
Details Maximum term; Effective Date 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 8.25% APR · checked 6 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
Details Model Year: 2017-2023 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 8.25% APR · checked 11 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%

Adirondack Bank Personal Loan Rates

Product	APR	Term
Unsecured Personal Installment Loan	9.75%	24 months
Details Maximum Loan: $10,000 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 9.75% APR · checked 14 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Unsecured Personal Installment Loan	9.75%	36 months
Details Maximum Loan: $10,000 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 9.75% APR · checked 14 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Unsecured Personal Installment Loan	10.00%	48 months
Details Maximum Loan: $10,000 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 10.00% APR · checked 14 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Unsecured Personal Installment Loan	10.50%	60 months
Details Maximum Loan: $10,000 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 10.50% APR · checked 14 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%

Adirondack Bank Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan	-	-	8.50%	24 months
Details Maximum Loan: $20,000 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 8.50% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Home Improvement Loan	-	-	8.50%	36 months
Details Maximum Loan: $20,000 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 8.50% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Home Improvement Loan	-	-	9.50%	48 months
Details Maximum Loan: $20,000 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 9.50% APR · checked 15 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%
Home Improvement Loan	-	-	9.50%	60 months
Details Maximum Loan: $20,000 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 9.50% APR · checked 15 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
Details Maximum term; Effective Date 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 6.50% APR · checked 10 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
Details Maximum term; Effective Date 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 6.50% APR · checked 10 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
Details Maximum term; Effective Date 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 6.75% APR · checked 10 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
Details Maximum term; Effective Date 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 7.00% APR · checked 10 times Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 7.18%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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.

Bank Profile & Overview

Bank Name Adirondack Bank

Website https://www.adirondackbank.com

Address 185 Genesee St, Utica, NY 13501 · Oneida

Bank Holding Company ADIRONDACK BCORP INC

FDIC Certificate # 28380

Regulator FED

Established January 1, 1898

FDIC Insurance Date August 9, 1989

Domestic Offices 19

Total Branches 19

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.1 / 5.0 ★

Overall Health & Safety Grade

B (87/100)

Texas Ratio

7.18%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

-2.1180%

Return on Equity (ROE)

-29.9900%

Non-Performing Loans Ratio (NPL)

0.43%

Total Assets

$1,005,295,000

Total Deposits

$928,596,000

Equity Capital

$60,864,000

Net Income

$-10,439,000

Headquarters

Utica

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Adirondack Bank

Does Adirondack Bank offer CDs?

Yes. Adirondack Bank current CD rates include its 1 Year CD at 3.04% APY, its 6-Month CD at 2.94% APY and its 47-Month Relationship Plus CD at 0.65% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Adirondack Bank FDIC insured?

Yes. Adirondack Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Adirondack Bank?

The highest Adirondack Bank CD rate is its 1 Year Certificate of Deposit at 3.04% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Adirondack Bank offer?

Adirondack Bank CD rates are 2.94% APY for a 6 month CD, 3.04% APY for a 12 month CD, 0.15% APY for an 18 month CD, 0.20% APY for a 2 year CD, 0.40% APY for a 3 year CD, 0.65% APY for a 47 month CD, 0.50% APY for a 4 year CD and 0.50% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Adirondack Bank for its full lineup.

What is the highest savings rate at Adirondack Bank?

The highest Adirondack Bank savings rate is its Loyalty Savings at 0.05% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Adirondack Bank?

The highest Adirondack Bank money market rate is its Money Market IRA+ at 0.10% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Adirondack Bank?

The highest Adirondack Bank checking rate is its eCO Checking - 2 Qualifiers at 0.50% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest auto loan rate at Adirondack Bank?

The lowest Adirondack Bank auto loan rate is its New Cars & Trucks 2024, 2025 & 2026 Loan at 6.00% APR, verified by MonitorBankRates as of November 5, 2026.

What is the lowest personal loan rate at Adirondack Bank?

The lowest Adirondack Bank personal loan rate is its Unsecured Personal Installment Loan at 9.75% APR, verified by MonitorBankRates as of November 5, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Adirondack Bank rates compare?

Adirondack Bank's top CD rate of 3.04% APY on a 12 month CD is in line with the MonitorBankRates national average of 3.03% APY for that term, and it has a B health rating. Adirondack Bank's top rates are its 1 Year Certificate of Deposit at 3.04% APY, its Loyalty Savings at 0.05% APY, its Money Market IRA+ at 0.10% APY, its eCO Checking - 2 Qualifiers at 0.50% APY and its Unsecured Personal Installment Loan at 9.75% APR, verified by MonitorBankRates on November 5, 2026.

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.

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Adirondack Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Adirondack Bank Texas Ratio

Adirondack Bank Health Trend

Adirondack Bank CD Rates

Adirondack Bank Savings Rates

Adirondack Bank Money Market Rates

Adirondack Bank Checking Rates

Adirondack Bank Auto Loan Rates

Adirondack Bank RV, Boat and Powersport Loan Rates

Adirondack Bank Personal Loan Rates

Adirondack Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Customer Reviews

Frequently Asked Questions About Adirondack Bank

Does Adirondack Bank offer CDs?

Are CDs from Adirondack Bank FDIC insured?

What is the highest CD rate at Adirondack Bank?

What CD terms does Adirondack Bank offer?

What is the highest savings rate at Adirondack Bank?

What is the highest money market rate at Adirondack Bank?

What is the highest checking rate at Adirondack Bank?

What is the lowest auto loan rate at Adirondack Bank?

What is the lowest personal loan rate at Adirondack Bank?

How many branches does Adirondack Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Adirondack Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Adirondack Bank rates compare?

Current Adirondack Bank Rates

Compare to Other Banks