Adirondack Bank

Overview / Commentary
185 Genesee Street
Utica, NY 13501

Adirondack Bank is headquartered in UTICA and is the 54th largest bank in the state of New York. It is also the 1,036th largest bank in the nation. It was established in 1898 and as of March of 2024, it had grown to 195 employees at 19 locations. Adirondack Bank's CD rates are 4X the national average, and it has a B health rating.

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Reviews (2)

Lost Over 1 GRAND With This Bank

I live in Ilion, but went to college at Cortland. The closest branch to Cortland is in Utica, which is about an hour and a half away. While I was at Cortland, my account was hacked. I contacted the bank, and they said I had to come in person to resolve the issue. I told them I couldn’t and asked if they could close my account so I didn’t continue to lose money (I had only lost about $30 at the time) and they said yes. I started banking with key bank and stopped paying attention to my Adirondack bank account. A few months later, I get a letter in the mail that my account had been overdrafted and my account was in the negatives, mind you, I had my account set up so once it hit $0, it wouldn’t allow any more purchases. They had told me they closed my account, yet I continued to lose money. I had over a grand in my account before it was hacked. They then refused to give me my money back that I lost and gave me a number to call and that number didn’t help either. I asked them to close my account again and they said they would. Now, over a year later, and after being told twice that my account was closed, I accidentally transferred money from my cashapp to my adk account because I forgot to switch my cash app transfer to my new account. Now, that money is in my adk account that was supposedly closed twice, and they’re making me come in to resolve it. Please don’t bank here. Any other bank is better.


Posted by: |

i had an account with this bank for my disabled child 5 years ago .. ssa deposited to the wrong account which overdrew the account . at this point i am living in florida . i called the bank to find out how to resolve the overdraft they said i had to come in i explained where i lived they said i still had to come in .. 6 months later i was told when i received a letter that i HAD TO COME IN TO RESOLVE IT .. i live 1200 miles away! it did not matter .. how am i supposed to come in??? they said well we are putting you on chexsystems .. i said well i cant come in .. they hung up .. 5 years later i am still UNABLE to resolve this unless i fly to ny to resolve it .. this is the ONLY bank i have ever seen that literally REFUSES to resolve an issue like this ... GET WITH THE 21st century .. i mean you are refusing to even allow me to mail you a check! .. WORST BANK EVER


Health Grade Components

FDIC Certificate #28380
Year Established1898
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD3.73%
Annual Interest Income$10MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$983.9MM$983.1MM
LoansQ1 2024vs Q1 2023$618.7MM$587.3MM
DepositsQ1 2024vs Q1 2023$895.4MM$894.7MM
Equity CapitalQ1 2024vs Q1 2023$61.8MM$62.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$4.3MM$4.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$6.1MM$6.5MM
Real Estate OwnedQ1 2024vs Q1 2023$27K$126K
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Always verify rates and promotions with the bank or credit union. We are not Adirondack Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Adirondack Bank Savings Account Rates

0.10%$0-IRA Savings
0.05%*$5m*-Loyalty Savings
OTHER TIERS: 0.01% $0 - $500k | 0.03% $500k - $5m
0.03%*$10k*-Health Savings Account
OTHER TIERS: 0.01% $0 - $2.5k | 0.02% $2.5k - $10k
0.01%$1-Adirondack Children's Savings
0.01%$10-Holiday Club
0.01%$100-Hometown Savings

Adirondack Bank Money Market Rates

0.05%*$5m*-Loyalty Money Market
OTHER TIERS: 0.01% $0 - $250k | 0.03% $250k - $5m

Adirondack Bank Checking Account Rates

0.50%*$0$15keCo Checking - 2 Qualifiers
OTHER TIERS: 0.02% $15k+
0.15%*$0$15keCo Checking - 1 Qualifier
OTHER TIERS: 0.02% $15k+

Adirondack Bank CD Rates

4.02%$1k-6 Month to less than 1 Year CD
4.02%$1k-Business 6 Month to less than 1 Year CD
3.66%$1k-1 Year to less than 18 Month CD
3.66%$1k-Business 1 Year to less than 18 Month CD
3.25%$1k-18 Month to less than 2 Year CD
3.25%$1k-Business 18 Month to less than 2 Year CD
0.65%$1k-47 Month Relationship Plus CD
0.65%$1k-Business 47 Month Relationship Plus CD
0.60%$1k-47 Month Relationship CD
0.60%$1k-Business 47 Month Relationship CD
0.50%$1k-4 Year to less than 5 Year CD
0.50%$1k-5 Year or More CD
0.50%$1k-Business 4 Year to less than 5 Year CD
0.50%$1k-Business 5 Year or More CD
0.40%$1k-3 Year to less than 4 Year CD
0.40%$1k-Business 3 Year to less than 4 Year CD
0.40%$1k-30 Month Relationship Plus CD
0.40%$1k-Business 30 Month Relationship Plus CD
0.35%$1k-30 Month Relationship CD
0.35%$1k-Business 30 Month Relationship CD
0.25%$1k-2 Year to less than 3 Year CD
0.25%$1k-Business 2 Year to less than 3 Year CD
0.20%$1k-13 Month Relationship Plus CD
0.20%$1k-18 Month Relationship Plus CD
0.20%$1k-Business 13 Month Relationship Plus CD
0.20%$1k-Business 18 Month Relationship Plus CD
0.15%$1k-13 Month Relationship CD
0.15%$1k-18 Month Relationship CD
0.15%$1k-Business 13 Month Relationship CD
0.15%$1k-Business 18 Month Relationship CD
0.10%$1k-3 Month to less than 6 Month CD
0.10%$1k-Business 3 Month to less than 6 Month CD

Adirondack Bank IRA Rates

4.02%$1k-6 Month IRA
3.66%$1k-12 Month IRA
3.25%$1k-24 Month IRA
0.50%$1k-48 Month IRA
0.50%$1k-60 Month IRA
0.40%$1k-36 Month IRA


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