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iAdvertiser Disclosure
Advertiser Disclosure
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 TrustCo Bank 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
TrustCo Bank's 12-18-Months 12 - 18-Month CD rates are at 4.25%, 12-Month CD rates are at 4.25%, 13-Month CD rates are at 4.25%, 14-Month CD rates are at 4.25%, 15-Month CD rates are at 4.25%. TrustCo Bank's savings rates are at 2.70%. TrustCo Bank's money market rates are at 3.10%. TrustCo Bank's 30 Year Mortgage - Purchase rates are at 6.625%, 30 Year Mortgages: Purchase rates are at 6.625%, 5/1 ARM rates are at 6.125%, 3/3 ARM rates are at 6.125%. TrustCo Bank's top CD rate of 4.25% APY on an 18 month CD is 45% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of TrustCo Bank with a 4.5 Star Rating, an A Overall Health Grade, and a Texas Ratio of 4.14%. Rates last updated and verified on 11/05/2026. 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. 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. TrustCo Bank CD Rates
TrustCo Bank Savings Rates
TrustCo Bank Money Market Rates
TrustCo Bank Mortgage Rates
TrustCo Bank Home Equity & HELOC
TrustCo Bank Other Rates
Financial Health HistoryTrustCo Bank’s Texas Ratio rose from 3.16% in Q3 2023 to 4.14% 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 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
Bank Name
TrustCo Bank
Website
https://www.trustcobank.com
Address
1 Sarnowski Dr,
Glenville, NY 12302 · Schenectady
Bank Holding Company
TRUSTCO BANK CORP NY
FDIC Certificate #
31945
Regulator
OCC
Established
January 1, 1925
FDIC Insurance Date
August 9, 1989
Domestic Offices
133
Total Branches
134
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.5 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
4.14%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.0354%
Return on Equity (ROE)
12.4500%
Non-Performing Loans Ratio (NPL)
0.33%
Total Assets
$6,523,938,000
Total Deposits
$5,681,578,000
Equity Capital
$555,792,000
Net Income
$33,602,000
Headquarters
Glenville
Total Branches and Offices
133
Source: FDIC — Last Updated June 30, 2026
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 BankDoes TrustCo Bank offer CDs?Yes. TrustCo Bank current CD rates include its 12-18-Months 12 - 18-Month CD at 4.25% APY, its 12-Month CD at 4.25% APY and its 13-Month CD at 4.25% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from TrustCo Bank FDIC insured?Yes. TrustCo Bank 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 TrustCo Bank?The highest TrustCo Bank CD rate is its 12-18-Months 12 - 18-Month CD at 4.25% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does TrustCo Bank offer?TrustCo Bank CD rates are 4.25% APY for a 12 month CD, 4.25% APY for a 13 month CD, 4.25% APY for a 14 month CD, 4.25% APY for a 15 month CD, 4.25% APY for an 18 month CD, 1.25% APY for a 2 year CD, 1.25% APY for a 3 year CD, 1.25% APY for a 4 year CD and 1.25% APY for a 5 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 TrustCo Bank for its full lineup. What is the highest savings rate at TrustCo Bank?The highest TrustCo Bank savings rate is its 3-Months Savings Account Promotional Intro at 2.70% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest money market rate at TrustCo Bank?The highest TrustCo Bank money market rate is its 3-Months Money Market Promotional Intro at 3.10% APY, verified by MonitorBankRates as of November 5, 2026. What is the lowest mortgage rate at TrustCo Bank?The lowest TrustCo Bank mortgage rate is its 5/1 ARM at 6.125%, verified by MonitorBankRates as of November 5, 2026. TrustCo Bank mortgage rates are 6.625% for a 30 year mortgage, 6.125% for a 3/3 ARM and 6.125% for a 5/1 ARM. How many branches does TrustCo Bank operate?TrustCo Bank currently maintains approximately 134 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. 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 TrustCo Bank rates compare?TrustCo Bank's top CD rate of 4.25% APY on an 18 month CD is 45% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A health rating. TrustCo Bank's top rates are its 12-18-Months 12 - 18-Month CD at 4.25% APY, its 3-Months Savings Account Promotional Intro at 2.70% APY, its 3-Months Money Market Promotional Intro at 3.10% APY and its 5/1 ARM at 6.125%, verified by MonitorBankRates on November 5, 2026. Current TrustCo Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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