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The Adirondack Trust Company


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.00%
Our Rating
4.6  / 5
SoFi Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 4.00% 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
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.75%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
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 44th largest bank in the state of New York. It is also the 695th largest bank in the nation. It was established in 1901 and as of September of 2024, it had grown to 254 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
A

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #660
Year Established1901
Employees254
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD8.09%
Annual Interest Income$42.6MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$1.63B$1.61B
LoansQ3 2024vs Q3 2023$962.1MM$917.4MM
DepositsQ3 2024vs Q3 2023$1.43B$1.39B
Equity CapitalQ3 2024vs Q3 2023$164.1MM$134.3MM
Loan Loss AllowanceQ3 2024vs Q3 2023$20MM$20MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$5.2MM$2.9MM
Real Estate OwnedQ3 2024vs Q3 2023$135K$135K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.00%
Our Rating
4.6  / 5
SoFi Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 4.00% 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
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.75%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-Business Interest Checking
0.05%$500-Interest Checking NOW Account

The Adirondack Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.30%$500$1m6 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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



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