Featured Savings Rates
Featured Accounts

First National Bank of Scotia

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.25%5-year CD60 Month CD
0.20%1-year CD12-17 Month CD
0.05%SavingsDay of Deposit Savings Account

Overview / Commentary
518-370-7200
201 Mohawk Avenue
Scotia, NY 12302

First National Bank of Scotia is headquartered in Scotia and is the 80th largest bank in the state of New York. It is also the 1,491st largest bank in the nation. It was established in 1923 and as of September of 2016, it had grown to 140 employees at 10 locations. First National Bank of Scotia has a B+ health rating.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #11501
Year Established1923
Employees140
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD5.58%
Annual Interest Income$11.0MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$467.3MM$463.0MM
LoansQ3 2016vs Q3 2015$380.2MM$363.5MM
DepositsQ3 2016vs Q3 2015$427.5MM$425.2MM
Equity CapitalQ3 2016vs Q3 2015$34.2MM$33.1MM
Loan Loss AllowanceQ3 2016vs Q3 2015$4.0MM$4.0MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$2.0MM$1.4MM
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank of Scotia Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$50-Young Savers Account
0.15%*$2,500*-Health Savings Account
OTHER TIERS: 0.10% Up to $500 | 0.11% $500 - $2,500
0.05%$50-Day of Deposit Savings Account
0.02%$50-Club Account

First National Bank of Scotia Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$250k*-Tiered Money Market Account
OTHER TIERS: 0.05% $2,500 - $25k | 0.10% $25k - $250k
0.05%$2,500-Money Market Account

First National Bank of Scotia Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$500-NOW Account

First National Bank of Scotia CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-60 Month CD
0.75%$500-48 Month CD
0.62%$500-36 Month CD
0.46%$500-24 Month Relationship CDSpecial
0.25%$500-18-29 Month CD
0.20%$500-12-17 Month CD
0.10%$2,500-180-364 Day CD
0.05%$2,500-30 Day CD
0.05%$2,500-90-179 Day CD

First National Bank of Scotia IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$250-60 Month IRA
0.75%$250-48 Month IRA
0.62%$250-36 Month IRA
0.46%$250-24 Month Relationship IRA Special
0.25%$250-18-29 Month IRA
0.20%$250-12-17 Month IRA
0.15%$50-12 Month Variable IRA
Locations


First National Bank of Scotia Locations
Ge Global Research Center1 Research Circle, Commons 2a7Schenectady, NY 12309
Schenectady Branch120 Erie BoulevardSchenectady, NY 12305
Niskayuna Branch1476 Balltown RoadNiskayuna, NY 12309
Clifton Park Office1643 Rt 9Clifton Park, NY 12065
Colonie Branch1705 Central AvenueColonie, NY 12205
First National Bank Of Scotia201 Mohawk AvenueScotia, NY 12302
Glenville Branch240 Saratoga RoadGlenville, NY 12302
Rotterdam Branch2695 Hamburg StreetSchenectady, NY 12303
Saratoga Branch3013 Route 50Saratoga Springs, NY 12866
Guilderland-Westmere Branch8 Karner RoadGuilderland, NY 12084