First National Bank of Scotia

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

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

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

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

firstscotia.com

518-370-7200

201 Mohawk Avenue
Scotia, NY 12302

First National Bank of Scotia is headquartered in SCOTIA and is the 63^rd largest bank in the state of New York. It is also the 1,391^st 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

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	11501
Year Established	1923
Employees	142
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.64%
Return on Equity - YTD	7.44%
Annual Interest Income	$7.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$690.5MM$653.3MM
Loans	Q1 2025vs Q1 2024	$499.4MM$481.7MM
Deposits	Q1 2025vs Q1 2024	$607.4MM$590.8MM
Equity Capital	Q1 2025vs Q1 2024	$59.7MM$52.3MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$5.4MM$5.7MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$6.9MM$2.5MM
Real Estate Owned	Q1 2025vs Q1 2024	$130K$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

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

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

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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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$500	-	Interest Checking

First National Bank of Scotia CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Office	1643 Rt 9	Clifton Park, NY 12065

Colonie Branches
Colonie Branch	1705 Central Avenue	Colonie, NY 12205

Glenville Branches
Glenville Branch	240 Saratoga Road	Glenville, NY 12302

Guilderland Branches
Guilderland-Westmere Branch	8 Karner Road	Guilderland, NY 12084

Niskayuna Branches
Niskayuna Branch	1476 Balltown Road	Niskayuna, NY 12309

Saratoga Springs Branches
Saratoga Branch	3013 Route 50	Saratoga Springs, NY 12866

Schenectady Branches
Ge Global Research Center	1 Research Circle, Commons 2a7	Schenectady, NY 12309
Schenectady Branch	120 Erie Boulevard	Schenectady, NY 12305
Rotterdam Branch	2695 Hamburg Street	Schenectady, NY 12303

Scotia Branches
First National Bank Of Scotia	201 Mohawk Ave	Scotia, NY 12302

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