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iAdvertiser Disclosure
Advertiser Disclosure
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 Adirondack Trust Company 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 Trust Company's 3-Month CD Special rates are at 3.55%, 6-Month CD Special rates are at 3.53%, 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 0.05%. Adirondack Trust Company's money market rates are at 0.05%. Adirondack Trust Company's Fixed Mortgage rates are at 5.75%, 10/1 ARM Adjustable Mortgage rates are at 6.12%, 5/1 ARM Adjustable Mortgage rates are at 5.88%, Fixed Mortgage rates are at 6.38%. Adirondack Trust Company's Personal Loan Rates are at 11.00%. 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 2.27%. Rates were last updated on 03/24/2026. 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. 
Adirondack Trust Company CD Rates
Adirondack Trust Company Savings Rates
Adirondack Trust Company Money Market Rates
Adirondack Trust Company Checking Rates
Adirondack Trust Company Mortgage Rates
Adirondack Trust Company Home Equity & HELOC
Adirondack Trust Company Personal Loan Rates
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
Institution Name
Adirondack Trust Company
Bank Holding Company
ADIRONDACK TR EMPLOYEE STK OWNERSHIP TR
Address
473 Broadway,
Saratoga Springs, NY 12866 · Saratoga
Website
https://www.adirondacktrust.com
FDIC Certificate #
660
Established
01/01/1901
FDIC Insurance Date
01/01/1934
Domestic Offices
13
Total Branches
13
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
2.27%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.8765%
Return on Equity (ROE)
10.6300%
Non-Performing Loans (NPL)
0.16%
Total Assets
$1,785,369,000
Total Deposits
$1,562,060,000
Equity Capital
$190,167,000
Net Income
$15,261,000
Headquarters
Saratoga Springs
Total Offices
13
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Adirondack Trust CompanyIs Adirondack Trust Company a safe place to deposit money?Yes, Adirondack Trust Company is considered a safe financial institution. With a Texas Ratio of 2.2710524552824%, 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 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. Current Adirondack Trust Company Rates
Retrieved from our database of financial products. Rates subject to change.
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