Adirondack Trust Company CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 4.10%, 6-month CD rates at 4.25% and 3-month CD rates at 0.05%. Current savings rates are at 0.25% and money market rates are at 0.75%. Mortgage rates today on 30-year fixed loans are around 7.08%. Credit Card rates are at 19.49%. Personal Loan rates are at 18.00%. All these rates, and more, can be found in our database of rates. Adirondack Trust Company's 36-Month CD rates are at 0.35%, 24-Month CD rates are at 0.25%, 12-Month CD rates are at 0.20%, 6-Month CD rates are at 0.15%. Adirondack Trust Company's savings rates are at 0.05%. Adirondack Trust Company's money market rates are at 1.00%.

Adirondack Trust Company

To see how these rates compare to Adirondack Trust Company CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Adirondack Trust Company, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Adirondack Trust Company CD rates. You can also compare Adirondack Trust Company savings rates, MMA rates and mortgage rates using our other rate lists.

Adirondack Trust Company 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 Trust Company? Share your experience about Adirondack Trust Company by leaving a review below, or read customer reviews before you decide to use Adirondack Trust Company.

Adirondack Trust Company Texas Ratio

Adirondack Trust Company's Texas Ratio is at 2.68%, which is considered excellent. The Texas Ratio for Adirondack Trust Company is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Adirondack Trust Company is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
0.20%
18-Month CD
N/A
24-Month CD
0.25%
36-Month CD
0.35%
48-Month CD
N/A
60-Month CD
N/A
Savings
0.05%
MMA
1.00%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Adirondack Trust Company
473 Broadway
Saratoga Springs, NY 12866
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Adirondack Trust Company CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Adirondack Trust Company
Adirondack Trust Company
High Peaks Money Market
1.00%
$200,000
Adirondack Trust Company
Adirondack Trust Company
36-Month CD
0.35%
$500
Adirondack Trust Company
Adirondack Trust Company
24-Month CD
0.25%
$500
Adirondack Trust Company
Adirondack Trust Company
12-Month CD
0.20%
$500
Adirondack Trust Company
Adirondack Trust Company
6-Month CD
0.15%
$500
Adirondack Trust Company
Adirondack Trust Company
Statement Savings
0.05%
$50
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Adirondack Trust Company Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Quaint Oak Bank
Quaint Oak Bank
12-Month CD
4.25%
$500
Mountain View Bank of Commerce
Mountain View Bank of Commerce
12-Month CD
4.05%
$1,000
First National Bank in Philip
First National Bank in Philip
48-Month CD
4.00%
$1,000
Milford Federal Bank
Milford Federal Bank
36-Month CD
4.00%
$1,000
Abington Bank
Abington Bank
12-Month CD
4.00%
$1,000
Dearborn Federal Savings Bank
Dearborn Federal Savings Bank
120-Month CD
3.85%
$500
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
60-Month CD
3.80%
$100
Leader Bank
Leader Bank
12-Month CD
3.75%
$1,000
Peoples Bank Coldwater, KS
Peoples Bank Coldwater, KS
18-Month CD
3.53%
$500
Citizens Federal S&L Assoc
Citizens Federal S&L Assoc
12-Month CD
3.50%
$1,000
Midwest Bank Detroit Lakes, MN
Midwest Bank Detroit Lakes, MN
6-Month CD
3.50%
$500
Ameriprise Financial
Ameriprise Financial
24-Month CD
3.45%
$0
The Corner Stone Bank
The Corner Stone Bank
48-Month CD
3.45%
$1,000
F&M Union Bank
24-Month CD
3.38%
$1,000
Campbell & Fetter Bank
Campbell & Fetter Bank
60-Month CD
3.03%
$1,000
New Market Bank
New Market Bank
6-Month CD
3.02%
$500
Peoples Savings Bank Urbana OH
Peoples Savings Bank Urbana OH
48-Month CD
3.00%
$500
Tipton Latham Bank
Tipton Latham Bank
Money Market
3.00%
$500,000
Concordia Bank & Trust Company
Concordia Bank & Trust Company
6-Month CD
2.77%
$2,500
Pacific Crest SB
Pacific Crest SB
Money Market
2.75%
$0
Gateway Bank Mendota Heights, MN
Gateway Bank Mendota Heights, MN
24-Month CD
2.45%
$1,000
Bank of Canton
Bank of Canton
36-Month CD
2.25%
$1,000
HomeBank
60-Month CD
2.02%
$2,500
Exchange State Bank Ames, IA
Exchange State Bank Ames, IA
30-Month CD
2.00%
$1,000
Alliance Bank IN
Alliance Bank IN
48-Month CD
1.85%
$1,000
International Bank of Chicago
International Bank of Chicago
30-Month CD
1.75%
$1,000
Security Bank of Southwest Missouri
Security Bank of Southwest Missouri
36-Month CD
1.41%
$1,000
SSB State Street Bank
SSB State Street Bank
48-Month CD
1.26%
$1,000
USAA Federal Savings Bank
USAA Federal Savings Bank
48-Month CD
1.25%
$1,000
SSB State Street Bank
SSB State Street Bank
18-Month CD
0.90%
$1,000
Bank of Botetourt
Bank of Botetourt
24-Month CD
0.65%
$500
FirstOak Bank
FirstOak Bank
6-Month CD
0.60%
$500
FNB of Nevada, Missouri
FNB of Nevada, Missouri
36-Month CD
0.50%
$1,000
FCNB of St. Paris
Statement Savings
0.45%
$50
Beardstown Savings
Beardstown Savings
12-Month CD
0.40%
$0
Fidelity Federal S&L of Delaware
Fidelity Federal S&L of Delaware
18-Month CD
0.35%
$500
Minster Bank
Minster Bank
Investment Savings
0.35%
$1,000
Embassy Bank for the Lehigh Valley
Embassy Bank for the Lehigh Valley
Ingot Gold Savings
0.30%
$0
FSB of Forrest
FSB of Forrest
Regular Savings
0.25%
$0
Marblehead Bank
Marblehead Bank
18-Month CD
0.25%
$500
Adirondack Bank
Adirondack Bank
18-Month CD
0.20%
$1,000
Buckeye Community Bank
Buckeye Community Bank
18-Month CD
0.20%
$500
Lake Elmo Bank
Lake Elmo Bank
Money Market
0.16%
$0
Stock Exchange Bank, Caldwell, KS
Stock Exchange Bank, Caldwell, KS
Money Market
0.15%
$2,500
Sturdy Savings Bank
Sturdy Savings Bank
60-Month CD
0.13%
$500
GSB Guilford Savings Bank
24-Month CD
0.05%
$1,000
National Bank of Malvern
National Bank of Malvern
NOW Checking
0.05%
$1,000
Municipal Bank
Municipal Bank
Statement Savings
0.03%
$300
Bank of America
Bank of America
60-Month CD
0.03%
$1,000
First State Bank and Trust Bayport, MN
First State Bank and Trust Bayport, MN
Business Checking
0.01%
$100
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates February 19, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.125%
5.230%
0.000
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
5.500%
5.614%
0.000
5.500%
5.654%
0.000
30-Year Fixed
5.560%
5.730%
0.000
5.750%
5.756%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.750%
5.793%
0.000
5.625%
5.797%
0.000
5.750%
5.801%
0.000
5.750%
5.801%
0.000
15-Year Fixed
5.750%
5.806%
0.000
10-Year Fixed (Power Rate)
5.500%
5.814%
0.000
5.500%
5.820%
0.000
5.750%
5.832%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Adirondack Trust Company Information

Adirondack Trust Company
473 Broadway
Saratoga Springs, NY 12866
Saratoga
Established Date: 01/01/1901
FDIC Certificate #: 660
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: ADIRONDACK TR EMPLOYEE STK OWNERSHIP TR
How Many Domestic U.S. Offices? 14
How Many Branches are There? 13
Is Adirondack Trust Company FDIC Insured? Yes
What is Adirondack Trust Company's Cert number? 660
What is the maximum amount for insured deposits? $250,000 per holder, per account

Adirondack Trust Company Financials

Total Assets:
$1,593,886,000
Total Deposits:
$1,414,733,000
Equity Capital:
$148,733,000
Domestic Deposits:
$1,414,733,000
Net Income:
$2,115,000
Return on Assets:
0.8765%
Quarterly Return on Assets:
0.5300%
Pretax Return on Assets:
0.6515%
Pretax Quarterly Return on Assets:
0.6500%
Return on Equity:
10.6300%
Quarterly Return on Equity:
5.7200%
Common Equity Tier 1 Capital Ratio:
15.4889%
Tier 1 Risk-Based Capital Ratio:
15.4944%
Leverage Tier 1 (Core Capital) Ratio:
10.2401%
Total Risk-Based Capital Ratio (YTD):
16.7536%
Total Interest Income (YTD):
3.5029%
 
 
Headquarters:
Saratoga Springs
FDIC Field Office:
Syracuse
Regulator:
FED
County:
Saratoga
# of Offices:
14
Metropolitan Statistical Area (MSA):
Albany-Schenectady-Troy, NY
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC Last Updated 03/31/2024

Explore Other Rate Deals

Fidelity Homestead Savings Bank of New Orleans, LA, is advertising some of the best CD rates currently available from any bank or credit union. Fidelity Homestead Savings Bank is offering regular certificates of deposit and Individual Retirement Account (IRA) certificates of deposit.
Current mortgage rates are mixed this week over last. 30 year conforming mortgage rates are averaging 4.58%, a slight decline from last week's average mortgage rate of 4.59%. Today's 15 year conforming mortgage rates are averaging 3.68%, down from the previous week's average 15 year mortgage rate of 3.70%.
E-Loan is offering the following rates for CDs.

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