Overview / Commentary
473 Broadway
Saratoga Springs, NY 12866

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 656th largest bank in the nation. It was established in 1901 and as of September of 2018, it had grown to 234 employees at 13 locations. The Adirondack Trust Company has an A health rating.

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Reviews (4)

Knowledgeable And Responsive Customer Care

Posted by: jkinmd | Apr 30, 2014

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

Posted by: Anonymous | Sep 4, 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.

Posted by: Anonymous | Aug 6, 2012



Health Grade Components

FDIC Certificate #660
Year Established1901
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD11.07%
Annual Interest Income$27.9MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$1.19B$1.17B
LoansQ3 2018vs Q3 2017$734.8MM$744.9MM
DepositsQ3 2018vs Q3 2017$1.04B$1.03B
Equity CapitalQ3 2018vs Q3 2017$119.5MM$115.7MM
Loan Loss AllowanceQ3 2018vs Q3 2017$11.4MM$10.9MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.4MM$3.4MM
Real Estate OwnedQ3 2018vs Q3 2017$135.00K$135.00K
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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

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

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

0.05%$500-Interest Checking NOW Account

The Adirondack Trust Company CD Rates

0.50%$500-3 Year CD
0.35%$500-2 Year CD
0.20%$500-1 Year CD
0.15%$500-182 Days CD
0.10%$500-7 Days CD
0.10%$500-32 Days CD
0.10%$500-91 Days CD

The Adirondack Trust Company IRA Rates

0.50%--3 Year IRA
0.35%--2 Year IRA
0.20%--1 Year IRA
0.15%--182 Days IRA
0.10%--91 Days IRA


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