The Adirondack Trust Company

Overview / Commentary
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 700th largest bank in the nation. It was established in 1901 and as of March of 2024, it had grown to 249 employees at 14 locations. The Adirondack Trust Company's money market rates are 2X the national average, and it has an A health rating.

Reviews (4)

Knowledgeable And Responsive Customer Care

Posted by: |

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: |

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: |


Health Grade Components

FDIC Certificate #660
Year Established1901
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD5.72%
Annual Interest Income$13.5MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.59B$1.57B
LoansQ1 2024vs Q1 2023$934.3MM$898MM
DepositsQ1 2024vs Q1 2023$1.41B$1.41B
Equity CapitalQ1 2024vs Q1 2023$148.7MM$135.1MM
Loan Loss AllowanceQ1 2024vs Q1 2023$20MM$20.7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.8MM$3.1MM
Real Estate OwnedQ1 2024vs Q1 2023$135K$135K
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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
0.05%$0-Golden Passbook
0.05%$0-Statement Savings
0.05%$1-Youth Passbook Savings

The Adirondack Trust Company Money Market Rates

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

0.10%$500-Business Interest Checking
0.05%$500-Interest Checking NOW Account

The Adirondack Trust Company CD Rates

5.09%$500$1m3 Month CD Special
4.81%$500$1m6 Month CD Special
0.35%$500-3 Year CD
0.25%$500-2 Year CD
0.20%$500-1 Year CD
0.15%$500-6 Month CD
0.10%$500-91 Day CD

The Adirondack Trust Company IRA Rates

0.35%$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


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