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The Adirondack Trust Company


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 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 4/29/2025
3.80%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.3  / 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 44th largest bank in the state of New York. It is also the 671st largest bank in the nation. It was established in 1901 and as of December of 2024, it had grown to 253 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 Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #660
Year Established1901
Employees253
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD7.74%
Annual Interest Income$57.4MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$1.71B$1.61B
LoansQ4 2024vs Q4 2023$974.7MM$927MM
DepositsQ4 2024vs Q4 2023$1.52B$1.38B
Equity CapitalQ4 2024vs Q4 2023$165.5MM$147.3MM
Loan Loss AllowanceQ4 2024vs Q4 2023$20MM$20MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$4.1MM$1.7MM
Real Estate OwnedQ4 2024vs Q4 2023$135K$135K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 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 4/29/2025
3.80%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.3  / 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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* 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
4.04%$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

Albany Area

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