TrustCo Bank Rates and Review January 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.
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TrustCo Bank's 12-Month CD rates are at 1.50%, 60-Month CD rates are at 1.50%, 48-Month CD rates are at 1.50%, 36-Month CD rates are at 1.50%, 24-Month CD rates are at 1.50%. TrustCo Bank's savings rates are at 0.05%. TrustCo Bank's money market rates are at 0.05%.
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 RatioTrustCo Bank's Texas Ratio is at 3.16%, which is considered excellent. The Texas Ratio for TrustCo Bank 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. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
TrustCo Bank has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, TrustCo Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. TrustCo Bank CD Rates and Interest Rates
TrustCo Bank
60-Month CD
1.50%
$500
TrustCo Bank
48-Month CD
1.50%
$500
TrustCo Bank
36-Month CD
1.50%
$500
TrustCo Bank
24-Month CD
1.50%
$500
TrustCo Bank
18-Month CD
1.50%
$500
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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
New Market Bank
7-Month CD
3.88%
$500
CF Bank
9-Month CD
3.85%
$10,000
Newtek Bank
36-Month CD
3.80%
$2,500
Hatboro Federal Savings
24-Month CD
3.50%
$1,000
The Fountain Trust Company
6-Month CD
3.50%
$50,000
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 Rate ComparisonLender
Product
Rate
APR
Points
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Bank Profile & OverviewTrustCo Bank
1 Sarnowski DrGlenville, NY 12302 Schenectady Established Date: 01/01/1925 FDIC Certificate #: 31945 Date of FDIC Deposit Insurance: 08/09/1989 Bank Holding Company: TRUSTCO BANK CORP NY How Many Domestic U.S. Offices? 140 How Many Branches are There? 139 Website: https://www.trustcobank.com
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
Financial Health & AssetsTotal Assets:
$6,178,646,000
Total Deposits:
$5,355,182,000
Equity Capital:
$626,079,000
Net Income:
$12,307,000
Return on Assets (ROA):
1.1023%
Return on Equity (ROE):
11.1700%
Headquarters:
Glenville
Regulator:
OCC
# of Offices:
140
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsThere are no reviews for TrustCo Bank yet. Feel free to create one below.
Add Your Rating and Review for TrustCo Bank
Frequently Asked Questions About TrustCo BankHow do I open an account at TrustCo Bank?You can typically open an account at TrustCo Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, TrustCo Bank provides a range of mortgage and home equity products. Is TrustCo Bank a safe place to deposit money?Yes, TrustCo Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does TrustCo Bank offer online and mobile banking?Most modern institutions like TrustCo Bank provide digital access including online balance checks and transfers. Compare to other Banks |
