First National Bank of Scotia


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

First National Bank of Scotia is headquartered in SCOTIA and is the 63rd largest bank in the state of New York. It is also the 1,391st largest bank in the nation. It was established in 1923 and as of March of 2025, it had grown to 142 employees at 10 locations. First National Bank of Scotia's money market rates are 7X the national average, and it has a B health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #11501
Year Established1923
Employees142
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD7.44%
Annual Interest Income$7.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$690.5MM$653.3MM
LoansQ1 2025vs Q1 2024$499.4MM$481.7MM
DepositsQ1 2025vs Q1 2024$607.4MM$590.8MM
Equity CapitalQ1 2025vs Q1 2024$59.7MM$52.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5.4MM$5.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$6.9MM$2.5MM
Real Estate OwnedQ1 2025vs Q1 2024$130K$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not First National Bank of Scotia; 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.

First National Bank of Scotia Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.61%*$10k*-Health Savings Account
OTHER TIERS: 0.10% $0 - $500 | 0.17% $500 - $2.5k | 0.40% $2.5k - $10k
0.25%$50-Young Savers Account
0.20%$50-Day of Deposit Savings Account
0.05%$50-Club Account

First National Bank of Scotia Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$0-Tiered Money Market Account Special - New Money
2.01%*$1.5m*-Tiered Money Market Account
OTHER TIERS: 0.65% $2.5k - $100k | 1.01% $100k - $500k | 1.53% $500k - $1.5m

First National Bank of Scotia Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$500-Interest Checking

First National Bank of Scotia CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$2.5k-9 Month CD Special - New Money
3.75%$2.5k-9 Month Relationship CD Special
1.72%$500-60 Month CD
1.69%$500-48 Month CD
1.65%$500-36 Month CD
1.60%$500-24 Month CD
1.57%$500-1 Year CD
1.51%$2.5k-180 Day CD
0.55%$2.5k-30 Day CD
0.55%$2.5k-90 Day CD

First National Bank of Scotia IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$2.5k-9 Month IRA Special - New Money
3.75%$2.5k-9 Month Relationship IRA Special
1.72%$500-60 Month IRA
1.69%$500-48 Month IRA
1.65%$500-36 Month IRA
1.60%$500-24 Month IRA
1.57%$500-1 Year IRA
1.03%$50-One Year Variable Rate IRA Savings
Locations


Cities: Clifton Park, Colonie, Glenville, Guilderland, Niskayuna, Saratoga Springs, Schenectady, Scotia

Clifton Park Branches
Clifton Park Office1643 Rt 9Clifton Park, NY 12065

Colonie Branches
Colonie Branch1705 Central AvenueColonie, NY 12205

Glenville Branches
Glenville Branch240 Saratoga RoadGlenville, NY 12302

Guilderland Branches
Guilderland-Westmere Branch8 Karner RoadGuilderland, NY 12084

Niskayuna Branches
Niskayuna Branch1476 Balltown RoadNiskayuna, NY 12309

Saratoga Springs Branches
Saratoga Branch3013 Route 50Saratoga Springs, NY 12866

Schenectady Branches
Ge Global Research Center1 Research Circle, Commons 2a7Schenectady, NY 12309
Schenectady Branch120 Erie BoulevardSchenectady, NY 12305
Rotterdam Branch2695 Hamburg StreetSchenectady, NY 12303

Scotia Branches
First National Bank Of Scotia201 Mohawk AveScotia, NY 12302

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