TrustCo Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 3.95%, 6-month CD rates at 5.30% and 3-month CD rates at 0.05%. Current savings rates are at 0.10% and money market rates are at 2.40%. Mortgage rates today on 30-year fixed loans are around 7.06%. Credit Card rates are at 18.00%. Personal Loan rates are at 5.99%. All these rates, and more, can be found in our database of rates. TrustCo Bank's 6-Month CD rates are at 4.45%, 12-Month CD rates are at 4.10%, 60-Month CD rates are at 1.50%, 48-Month CD rates are at 1.50%, 36-Month CD rates are at 1.50%. TrustCo Bank's savings rates are at 0.06%. TrustCo Bank's money market rates are at 0.08%.

TrustCo Bank

To see how these rates compare to TrustCo Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from TrustCo Bank, 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 TrustCo Bank CD rates. You can also compare TrustCo Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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

TrustCo Bank Texas Ratio

TrustCo Bank's Texas Ratio is at 3.38%, which is considered excellent. The Texas Ratio for TrustCo Bank is lower than the national average of all banks, currently at 6.24%. 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, TrustCo Bank 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
4.10%
18-Month CD
1.50%
24-Month CD
1.50%
36-Month CD
1.50%
48-Month CD
1.50%
60-Month CD
1.50%
Savings
0.06%
MMA
0.08%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
TrustCo Bank
1 Sarnowski Dr
Glenville, NY 12302
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

TrustCo Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
TrustCo Bank
TrustCo Bank
6-Month CD
4.45%
$500
TrustCo Bank
TrustCo Bank
12-Month CD
4.10%
$500
TrustCo Bank
TrustCo Bank
60-Month CD
1.50%
$500
TrustCo Bank
TrustCo Bank
48-Month CD
1.50%
$500
TrustCo Bank
TrustCo Bank
36-Month CD
1.50%
$500
TrustCo Bank
TrustCo Bank
24-Month CD
1.50%
$500
TrustCo Bank
TrustCo Bank
18-Month CD
1.50%
$500
TrustCo Bank
TrustCo Bank
Money Market
0.08%
$2,500
TrustCo Bank
TrustCo Bank
Home Town Savings
0.06%
$200
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 TrustCo Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Security Bank Midwest
Security Bank Midwest
6-Month CD special
5.19%
$25,000
Heartland State Bank Edgeley, ND
Heartland State Bank Edgeley, ND
6-Month CD
5.06%
$10,000
First Community Bank Beemer, NE
First Community Bank Beemer, NE
7-Month CD special
5.00%
$5,000
Oak View National Bank
Oak View National Bank
4-Month CD special
5.00%
$1,000
Winchester Co-operative Bank
Winchester Co-operative Bank
6-Month CD
5.00%
$500
Toyota Financial Savings Bank
Toyota Financial Savings Bank
24-Month CD
4.47%
$1
Bank
Bank
36-Month CD IntraFi
4.41%
$100,000
Fidelity Co-operative Bank
Fidelity Co-operative Bank
7-Month CD special
4.20%
$500
Grove Bank
Grove Bank
24-Month CD
4.04%
$1,000
Needham Bank
Needham Bank
24-Month CD
3.75%
$1,000
Truliant Federal Credit Union
Truliant Federal Credit Union
24-Month CD certificate
3.29%
$250
Union County Savings Bank Elizabeth, NJ
Union County Savings Bank Elizabeth, NJ
24-Month CD
3.20%
$500
Northwoods Bank of Minnesota
Northwoods Bank of Minnesota
11-Month CD special
3.05%
$1,000
First National B&T Co. of Bottineau
First National B&T Co. of Bottineau
3-Month CD
2.78%
$500
Foresight Bank
Foresight Bank
48-Month CD
2.78%
$500
Stockgrowers State Bank of Ashland, KS
Stockgrowers State Bank of Ashland, KS
18-Month CD
2.78%
$500
Keen Bank
Keen Bank
60-Month CD
2.75%
$2,000
Adams County Bank
Adams County Bank
60-Month CD
2.73%
$500
Genoa Community Bank
Genoa Community Bank
36-Month CD
2.55%
$500
Farmers Bank Buhl, ID
Farmers Bank Buhl, ID
30-Month CD
2.52%
$500
Mineola Community Bank
Mineola Community Bank
60-Month CD
2.52%
$1,000
FSB of Cando
FSB of Cando
36-Month CD
2.50%
$500
First National Bank in Philip
First National Bank in Philip
Savings Account
2.27%
$25
ESSA Bank & Trust
ESSA Bank & Trust
18-Month CD
2.00%
$1,000
Southwest Missouri Bank
Southwest Missouri Bank
24-Month CD
2.00%
$500
Heritage Bank Wood River, NE
18-Month CD
1.76%
$1,000
Hingham Institution for Savings
Hingham Institution for Savings
18-Month CD
1.75%
$1,000
MutualOne Bank
MutualOne Bank
18-Month CD
1.75%
$500
Northwest B&T Co.
Northwest B&T Co.
48-Month CD
1.75%
$1,000
Security Bank of Southwest Missouri
Security Bank of Southwest Missouri
48-Month CD
1.66%
$1,000
Lake City Federal Bank
Lake City Federal Bank
Money Market
1.55%
$75,000
New Horizon Bank
New Horizon Bank
36-Month CD
1.51%
$500
TTNB Turbotville Bank
TTNB Turbotville Bank
30-Month CD
1.51%
$5,000
New Mexico B&T
New Mexico B&T
60-Month CD
0.90%
$1,000
Eureka Savings Bank
Eureka Savings Bank
3-Month CD
0.75%
$1,000
PyraMax Bank
PyraMax Bank
60-Month CD
0.60%
$1,000
Raymond Federal Bank
Raymond Federal Bank
Money Market
0.50%
$5,000
Bank of Zachary
Bank of Zachary
Checking Account e-Z NOW
0.45%
$1,500
First State Bank of Harvey
First State Bank of Harvey
Savings Account
0.45%
$0
Androscoggin Savings Bank
Androscoggin Savings Bank
60-Month CD
0.45%
$500
OneUnited Bank
OneUnited Bank
UNITY Plus Savings
0.40%
$100
Franklin Bank
Franklin Bank
24-Month CD
0.30%
$500
HTLF Bank
HTLF Bank
Platinum Savings Account
0.25%
$1
Cattaraugus County Bank
Cattaraugus County Bank
Savings Account (with checking)
0.20%
$0
North Central Bank
North Central Bank
12-Month CD
0.20%
$1,000
New Horizon Bank
New Horizon Bank
Horizon Savings Account
0.10%
$50
Unico Bank
Unico Bank
6-Month CD
0.10%
$1,000
BayVanguard Bank
BayVanguard Bank
Checking Account Business
0.05%
$5,000
Forcht Bank
Forcht Bank
Simple Savings
0.05%
$0
Citizens Savings Bank Bogalusa, LA
Citizens Savings Bank Bogalusa, LA
Checking Account
0.01%
$500
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 April 14, 2024

Lender
Product
Rate
APR
Points
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.000%
5.363%
2.000
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.750%
5.834%
0.000
People\'s Alliance Federal Credit Union
People\'s Alliance Federal Credit Union
10 Year Fixed
0.000%
5.875%
1.000
15-Year Fixed
5.625%
5.877%
0.975
5.750%
5.883%
0.500
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
5.875%
5.913%
0.000
15 Year Fixed
5.625%
5.923%
1.000
15-Year Fixed
5.875%
5.925%
0.000
5.750%
5.946%
0.250
5.875%
5.958%
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.

TrustCo Bank Information

TrustCo Bank
1 Sarnowski Dr
Glenville, NY 12302
Schenectady
Established Date: 01/01/1925
FDIC Certificate #: 31945
Date of FDIC Deposit Insurance: 10/26/1978
Bank Holding Company: TRUSTCO BANK CORP NY
How Many Domestic U.S. Offices? 145
How Many Branches are There? 145
Is TrustCo Bank FDIC Insured? Yes
What is TrustCo Bank's Cert number? 31945
What is the maximum amount for insured deposits? $250,000 per holder, per account

TrustCo Bank Financials

Total Assets:
$6,045,052,000
Total Deposits:
$5,212,471,000
Equity Capital:
$596,910,000
Domestic Deposits:
$5,212,471,000
Net Income:
$18,234,000
Return on Assets:
1.1938%
Quarterly Return on Assets:
1.2100%
Pretax Return on Assets:
1.6145%
Pretax Quarterly Return on Assets:
1.6100%
Return on Equity:
12.8300%
Quarterly Return on Equity:
12.3600%
Common Equity Tier 1 Capital Ratio:
18.3329%
Tier 1 Risk-Based Capital Ratio:
18.3329%
Leverage Tier 1 (Core Capital) Ratio:
9.6164%
Total Risk-Based Capital Ratio (YTD):
19.5861%
Total Interest Income (YTD):
3.0010%
 
 
Headquarters:
Glenville
FDIC Field Office:
Syracuse
Regulator:
OCC
County:
Schenectady
# of Offices:
145
Metropolitan Statistical Area (MSA):
Albany-Schenectady-Troy, NY
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC

Explore Other Rate Deals

Alliant Credit Union is offering a savings account that currently has an annual percentage yield of 2.00 percent, which is seven times the "bank industry average" according to Datatrac as of December 1, 2009. There is a $5 deposit minimum and no maximum deposit limit.

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Synchrony Bank CD rates are very competitive right now, in fact the Optimizer Plus certificates of deposit are some of the best CD rates right now. 1 year CD rates at Synchrony Bank are at 1.09 percent with an APY of 1.10 percent for account balances of at least $25k. 5 year CD rates from Synchrony Bank are currently at 2.25 percent for account balances under $25k and at 2.30 percent for account balances over $25k. To get the best rate available, you can compare current online CD rates with Synchrony Bank CD rates.

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