The Adirondack Trust Company
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 1.00% | Health Savings | 0.47% - National Average |
| 0.20% | 1-year CD | 2.75% - Barclays 12 Month Online CD |
| 0.10% | Savings | 2.20% - Barclays Online Savings Account |
The Adirondack Trust Company is headquartered in Saratoga Springs and is the 45th largest bank in the state of New York. It is also the 686th largest bank in the nation. It was established in 1901 and as of December of 2018, it had grown to 250 employees at 13 locations. The Adirondack Trust Company has a B+ health rating.
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Knowledgeable And Responsive Customer Care
Since 2010 I've received excellent service from AT.
Secure mail via their web site or phone calls to the main 800 number receive prompt attention by local branch staff who are friendly and knowledgeable.
Remote deposit via the web or ap works well.
New HSA Service Fee At Adirondack Effective 10/1/2011
Just a heads-up everybody: I was trying to move my HSA from Connexus Credit Union (advertised rate of 2% APY only applies to balances over $15,000, and I just opened my first ever HSA as you may know the amount allowed to contribute per year is $3,050.00) to Adirondack whose rate dropped from 5% to 3%APY which is double of what I am earning at Connexus.
And then I saw the following statement on Adirondack website:
Effective October 1st 2011 the following fees will apply:
$25.00 enrollment fee $4.00 monthly service fee. No other details are provided as far as conditions to have the monthly fee waived. I need to call and find out, but I have a feeling that they think they can adopt these fees because of the higher rate available nationwide.
Rate Lowered Dramatically Back In February Of 2013
The rate was lowered in a dramatic fashion from 3% to 1% apy. The fee being charged still remains at $2 per month.
Now Charging Fees.
http://www.adirondacktrust.com/en/personal-banking/savings-accounts/health-savings
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 660 |
| Year Established | 1901 |
| Employees | 250 |
| Primary Regulator | FED |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.04% |
| Return on Equity - YTD | 10.5% |
| Annual Interest Income | $38.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $1.15B$1.21B |
| Loans | Q4 2018vs Q4 2017 | $749.0MM$726.9MM |
| Deposits | Q4 2018vs Q4 2017 | $1.00B$1.06B |
| Equity Capital | Q4 2018vs Q4 2017 | $121.8MM$113.5MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $11.4MM$11.0MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $1.3MM$3.3MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $135.00K$135.00K |
Always verify rates and promotions with the bank or credit union. We are not The Adirondack Trust Company; 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.
The Adirondack Trust Company Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.00% | $1 | - | Health Savings Account | |
| 0.10% | - | - | Golden Passbook | |
| 0.10% | - | - | Statement Savings | |
| 0.10% | $1 | - | Youth Passbook Savings |
The Adirondack Trust Company Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.25%* | $200k* | - | High Peaks Tiered Money Market | ||
| OTHER TIERS: 0.10% → Up to $50k | 0.15% → $50k - $100k | 0.20% → $100k - $200k | |||||
| 0.25%* | $500k* | - | Corporate High Peaks Tiered Money Market | ||
| OTHER TIERS: 0.15% → $15k - $200k | 0.20% → $200k - $500k | |||||
| 0.10%* | $2.5k* | - | Money Market (MMDA) | ||
| OTHER TIERS: 0.05% → Up to $2.5k | |||||
The Adirondack Trust Company Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | $500 | - | Interest Checking NOW Account |
The Adirondack Trust Company CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.50% | $500 | - | 3 Year CD | |
| 0.35% | $500 | - | 2 Year CD | |
| 0.20% | $500 | - | 1 Year CD | |
| 0.15% | $500 | - | 182 Day CD | |
| 0.10% | $500 | - | 7 Day CD | |
| 0.10% | $500 | - | 32 Day CD | |
| 0.10% | $500 | - | 91 Day CD |
The Adirondack Trust Company IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.50% | - | - | 3 Year IRA | |
| 0.35% | - | - | 2 Year IRA | |
| 0.20% | - | - | 1 Year IRA | |
| 0.15% | - | - | 182 Day IRA | |
| 0.10% | - | - | 91 Day IRA |
