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The Adirondack Trust Company


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.adirondacktrust.com
518-584-5844
473 Broadway
Saratoga Springs, NY 12866

The Adirondack Trust Company is headquartered in SARATOGA SPRINGS and is the 43rd largest bank in the state of New York. It is also the 688th largest bank in the nation. It was established in 1901 and as of March of 2025, it had grown to 255 employees at 13 locations. The Adirondack Trust Company's money market rates are 2X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #660
Year Established1901
Employees255
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD5.87%
Annual Interest Income$14.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.64B$1.59B
LoansQ1 2025vs Q1 2024$964.1MM$934.3MM
DepositsQ1 2025vs Q1 2024$1.44B$1.41B
Equity CapitalQ1 2025vs Q1 2024$172.5MM$148.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$20MM$20MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$4.5MM$1.8MM
Real Estate OwnedQ1 2025vs Q1 2024$135K$135K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Adirondack Trust Company Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1-Health Savings Account
0.05%$0-Golden Passbook
0.05%$0-Statement Savings
0.05%$0-Student Statement Savings
0.05%$0-Business Statement Savings
0.05%$0-Business Passbook

The Adirondack Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$200k*-High Peaks Tiered Money Market
OTHER TIERS: 0.15% → $0 - $50k | 0.25% → $50k - $100k | 0.50% → $100k - $200k
1.00%*$500k*-Corporate High Peaks Tiered Money Market
OTHER TIERS: 0.15% → $0 - $15k | 0.25% → $15k - $200k | 0.50% → $200k - $500k
0.05%$0-Money Market (MMDA)

The Adirondack Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-Business Interest Checking
0.05%$500-Interest Checking NOW Account

The Adirondack Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.04%$500$1m6 Month CD Special
1.01%$500-3 Year CD
1.01%$500-Business 3 Year CD
0.25%$500-2 Year CD
0.25%$500-Business 2 Year CD
0.20%$500-1 Year CD
0.20%$500-Business 1 Year CD
0.15%$500-6 Month CD
0.15%$500-Business 6 Month CD
0.10%$500-91 Day CD
0.10%$500-Business 91 Day CD

The Adirondack Trust Company IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$0-3 Year IRA
0.25%$0-2 Year IRA
0.20%$0-1 Year IRA
0.15%$0-6 Month IRA
0.10%$0-91 Day IRA
Locations

Availability



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