The Adirondack Trust Company

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

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

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

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

www.adirondacktrust.com

518-584-5844

473 Broadway
Saratoga Springs, NY 12866

The Adirondack Trust Company is headquartered in SARATOGA SPRINGS and is the 43^rd largest bank in the state of New York. It is also the 688^th 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

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	660
Year Established	1901
Employees	255
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.59%
Return on Equity - YTD	5.87%
Annual Interest Income	$14.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.64B$1.59B
Loans	Q1 2025vs Q1 2024	$964.1MM$934.3MM
Deposits	Q1 2025vs Q1 2024	$1.44B$1.41B
Equity Capital	Q1 2025vs Q1 2024	$172.5MM$148.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$20MM$20MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$4.5MM$1.8MM
Real Estate Owned	Q1 2025vs Q1 2024	$135K$135K

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

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

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.

The Adirondack Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$500	-	Business Interest Checking
0.05%	$500	-	Interest Checking NOW Account

The Adirondack Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.04%	$500	$1m	6 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

APY	MIN	MAX	ACCOUNT NAME
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

Albany Area

Albany Area bank & credit union details

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