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 TrustCo Bank Rates & Review July 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: July 7, 2026
TrustCo Bank's 18-Months 18-Month rates are at 3.75%, 12-Months 12-Month CD rates are at 3.65%, 9-Months 9-Month CD rates are at 3.60%, 3-Months 3-Month CD rates are at 3.50%, 23-Months 18 - 23-Month rates are at 1.25%. TrustCo Bank's savings rates are at 0.06%. TrustCo Bank's money market rates are at 0.05%. TrustCo Bank's First Mortgage, Purchase (15 Year) rates are at 5.75%, 5/1 ARM, Primary Purchase rates are at 5.50%, 3/3 ARM, Primary Purchase rates are at 5.50%, First Mortgage, Jumbo (30 Year) rates are at 6.38%, First Mortgage, Refinance (30 Year) rates are at 6.38%. TrustCo Bank's Personal Loan Rates are at 11.50%. MonitorBankRates evaluates the financial stability of TrustCo Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.16%. Rates were last updated on 07/07/2026. 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 CD Rates
TrustCo Bank Savings Rates
TrustCo Bank Money Market Rates
TrustCo Bank Checking Rates
TrustCo Bank Mortgage Rates
TrustCo Bank Home Equity & HELOC
TrustCo Bank Auto Loan Rates
TrustCo Bank Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for TrustCo 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 TrustCo 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 TrustCo Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
TrustCo Bank
Bank Holding Company
TRUSTCO BANK CORP NY
Address
1 Sarnowski Dr,
Glenville, NY 12302 · Schenectady
Website
https://www.trustcobank.com
FDIC Certificate #
31945
Established
01/01/1925
FDIC Insurance Date
08/09/1989
Domestic Offices
135
Total Branches
135
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 98/100
5.0
Exceptional
Out of 5.0 Stars
3.16%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.1023%
Return on Equity (ROE)
11.1700%
Non-Performing Loans (NPL)
0.28%
Total Assets
$6,440,470,000
Total Deposits
$5,557,429,000
Equity Capital
$524,296,000
Net Income
$61,793,000
Headquarters
Glenville
Total Branches and Offices
135
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsJomary Williams
June 15, 2026
I have been a customer to Trustco Bank since 2012, once I lost my job their treatment to me changed even though when I tried to keep my account balanced, they started charging overdraft fees with/without reason, I am a single mom taking care of my kids on my own this did not work with them when I requested overdraft fees waiving even though I made deposit in cash to cover my account, their staff do not know to explain why the fee occurred or tell me how to avoid these fees in the future. Horrible customer service.
Loraine Pasko
June 15, 2026
I had a bad experience with this bank, they charge many insufficient fund fees per day that made me almost have no money for the rest of the month due to I get only Social Security direct deposit every month that I barely can live, I moved to Wells Fargo and since then I am doing OK this means that they have a problem with their system, Thanks God I left in the right time.
Angel Mae
June 15, 2026
I do not know how they are still operating, the branches are very quiet for customers do not want to visit due to every time they see new people do not know what they are doing and they provide no help to resolve customers issues , how they get away with that? question need an answer.
Sarwasouz
June 15, 2026
This bank is a scam rates are not the issue, after sale servicing is sucks, customer loyalty is not appreciated, employee stability is not granted, customers have to deal with new faces all the time make them feel that their preferred banker is not around to help all the time so they decide to move to another financial institutions that keep their staff longer, customers promotion money always denied for unrealistic reasons even when requirements are met make the customers frustrated. low-cost products for no customer service and you make the choice.
steve kokoni
April 3, 2026
Russell in the Fishkill NY branch is exceptional. He is all about serving the customer!
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Frequently Asked Questions About TrustCo BankHow many branches does TrustCo Bank operate?TrustCo Bank currently maintains approximately 135 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, TrustCo 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, TrustCo Bank provides members with tools to manage their accounts and build a solid financial history. Does TrustCo Bank offer online and mobile banking?Most modern institutions like TrustCo 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.trustcobank.com. Current TrustCo Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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