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iAdvertiser Disclosure
Advertiser Disclosure
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 Adirondack Trust Company Rates & Review November 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 and Verified: November 5, 2026
Adirondack Trust Company's 3-Month CD Special rates are at 4.06%, 6-Month CD Special rates are at 4.04%, 3-Year CD/IRA rates are at 1.01%, 2-Year CD/IRA rates are at 0.25%, 1-Year CD/IRA rates are at 0.20%. Adirondack Trust Company's savings rates are at 1.00%. Adirondack Trust Company's money market rates are at 1.00%. Adirondack Trust Company's checking rates are as high as 0.10%. Adirondack Trust Company's 7/1 ARM rates are at 6.25%, 5/1 ARM rates are at 6.00%, 10/1 ARM rates are at 6.75%. Adirondack Trust Company's Personal Loan Rates are as low as 11.00%. Adirondack Trust Company's top CD rate of 4.06% APY on a 3 month CD is 90% higher than the MonitorBankRates national average of 2.14% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Adirondack Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.37%. Rates last updated and verified on 11/05/2026. 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. 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 Trust Company CD Rates
Adirondack Trust Company Savings Rates
Adirondack Trust Company Money Market Rates
Adirondack Trust Company Checking Rates
Adirondack Trust Company Business Checking Rates
Adirondack Trust Company Mortgage Rates
Adirondack Trust Company Home Equity & HELOC
Adirondack Trust Company Auto Loan Rates
Adirondack Trust Company Personal Loan Rates
Adirondack Trust Company Other Rates
Financial Health HistoryAdirondack Trust Company’s Texas Ratio stayed near 2.27% in Q3 2023 to 2.37% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Adirondack Trust Company 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 Trust Company 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 Trust Company's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Adirondack Trust Company
Website
https://www.adirondacktrust.com
Address
473 Broadway,
Saratoga Springs, NY 12866 · Saratoga
Bank Holding Company
ADIRONDACK TR EMPLOYEE STK OWNERSHIP TR
FDIC Certificate #
660
Regulator
FED
Established
January 1, 1901
FDIC Insurance Date
January 1, 1934
Domestic Offices
13
Total Branches
13
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.37%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.9457%
Return on Equity (ROE)
8.5600%
Non-Performing Loans Ratio (NPL)
0.27%
Total Assets
$1,701,861,000
Total Deposits
$1,473,192,000
Equity Capital
$196,414,000
Net Income
$8,276,000
Headquarters
Saratoga Springs
Total Branches and Offices
13
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Frequently Asked Questions About Adirondack Trust CompanyDoes Adirondack Trust Company offer CDs?Yes. Adirondack Trust Company current CD rates include its 3-Month CD Special at 4.06% APY, its 6-Month CD Special at 4.04% APY and its 3-Year CD/IRA at 1.01% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from Adirondack Trust Company FDIC insured?Yes. Adirondack Trust Company 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 Trust Company?The highest Adirondack Trust Company CD rate is its 3-Month CD Special at 4.06% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does Adirondack Trust Company offer?Adirondack Trust Company CD rates are 4.06% APY for a 3 month CD, 4.04% APY for a 6 month CD, 0.20% APY for a 12 month CD, 0.25% APY for a 2 year CD and 1.01% APY for a 3 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 Trust Company for its full lineup. What is the highest savings rate at Adirondack Trust Company?The highest Adirondack Trust Company savings rate is its Health Savings Account at 1.00% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest money market rate at Adirondack Trust Company?The highest Adirondack Trust Company money market rate is its Corporate High Peaks Tiered Money Market at 1.00% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest checking rate at Adirondack Trust Company?The highest Adirondack Trust Company checking rate is its Business Interest Checking at 0.10% APY, verified by MonitorBankRates as of November 5, 2026. What is the lowest mortgage rate at Adirondack Trust Company?The lowest Adirondack Trust Company mortgage rate is its 5/1 ARM at 6.00%, verified by MonitorBankRates as of November 5, 2026. Adirondack Trust Company mortgage rates are 6.00% for a 5/1 ARM, 6.25% for a 7/1 ARM and 6.75% for a 10/1 ARM. What is the lowest personal loan rate at Adirondack Trust Company?The lowest Adirondack Trust Company personal loan rate is its Personal Unsecured Loan at 11.00% APR, verified by MonitorBankRates as of November 5, 2026. How many branches does Adirondack Trust Company operate?Adirondack Trust Company currently maintains approximately 13 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 Trust Company 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 Trust Company provides members with tools to manage their accounts and build a solid financial history. Does Adirondack Trust Company offer online and mobile banking?Most modern institutions like Adirondack Trust Company 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.adirondacktrust.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 Trust Company rates compare?Adirondack Trust Company's top CD rate of 4.06% APY on a 3 month CD is 90% higher than the MonitorBankRates national average of 2.14% APY for that term, and it has an A+ health rating. Adirondack Trust Company's top rates are its 3-Month CD Special at 4.06% APY, its Health Savings Account at 1.00% APY, its Corporate High Peaks Tiered Money Market at 1.00% APY, its Business Interest Checking at 0.10% APY, its 5/1 ARM at 6.00% and its Personal Unsecured Loan at 11.00% APR, verified by MonitorBankRates on November 5, 2026. Current Adirondack Trust Company Rates
Retrieved from our database of financial products. Rates subject to change.
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