The Adirondack Trust Company savings, CD and money market rates
The Adirondack Trust Company advertises 0.05% APY on its Golden Passbook Savings account. That is 0.32 percentage points below the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #1728 of 1929 tracked savings rates by advertised APY. For a $10,000 balance it would rank #1653.
Estimate your earnings·What The Adirondack Trust Company actually pays
The Adirondack Trust Company at a glance
| Savings | |
|---|---|
| Top savings APY | 0.05% · Golden Passbook Savings |
| Minimum to open | not stated · Golden Passbook Savings |
| Against the national average | 0.32 percentage points below the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 3.55% · 3 months · 3-Month CD Special |
| Minimum to open | $500 · 3 months CD |
| Against the national average | 2.42 percentage points above the 1.13% FDIC 3-month CD average (Sep 2026) |
| Money market | |
| Top money market APY | Up to 1.00% · High Peaks Tiered Money Market · needs at least $200,000 |
| Minimum to open | not stated · High Peaks Tiered Money Market |
| Against the national average | 0.37 percentage points above the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 660 · Saratoga Springs, NY |
|---|---|
| Website | adirondacktrust.com |
| Branches | 13 branches in NY |
| Availability | Available in NY |
The Adirondack Trust Company savings, CD and money market rates
Personal
How the rate applies
IRA
Business
How the rate applies
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.01% or more. See the highest savings rates.
The Adirondack Trust Company CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 3.55% | $500 | 3-Month CD Special |
| 3 months | 0.10% | not stated | 91-Day CD |
| 6 months | 3.53% | $500 | 6-Month CD Special |
| 6 months | 0.15% | not stated | 6-Month CD |
| 12 months | 0.20% | not stated | 1-Year CD |
| 24 months | 0.25% | not stated | 2-Year CD |
| 36 months | 1.01% | not stated | 3-Year CD |
| IRA CDs | |||
| 3 months | 0.10% | not stated | 91-Day IRA CD |
| 6 months | 0.15% | not stated | 6-Month IRA CD |
| 12 months | 0.20% | not stated | 1-Year IRA CD |
| 24 months | 0.25% | not stated | 2-Year IRA CD |
| 36 months | 1.01% | not stated | 3-Year IRA CD |
Interactive Tool
Calculate Savings for The Adirondack Trust Company
All calculations are based on APY.
Tiered rates: 0.15% to 1.00% APY across 4 balance tiers.
Savings Breakdown
- Interest Earned+$56.00(0.4%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,056.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What The Adirondack Trust Company pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, The Adirondack Trust Company paid a higher average rate on savings and money market deposits than 68% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- The Adirondack Trust Company, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Health Savings Account | 1.00% | $1 | $0 | None | not stated | not stated | One rate | |
| Student Statement Savings | 0.05% | $1 | $0 | None | not stated | not stated | One rate | |
| Golden Passbook Savings | 0.05% | not stated | $0 | None | $1 per quarter if the daily balance falls below $100 | not stated | One rate | |
| Statement Savings | 0.05% | not stated | $0 | None | not stated | not stated | One rate | |
| High Peaks Tiered Money Market | 1.00% | not stated | $0 | None | not stated | not stated | Tiered | |
| Money Market (MMDA) | 0.05% | not stated | $0 | None | not stated | not stated | One rate | |
| Business | ||||||||
| Corporate High Peaks Tiered Money Market | 1.00% | not stated | $0 | None | not stated | not stated | Tiered | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 3-Month CD Special | 3 months | 3.55% | $500 | not stated | not stated |
| 91-Day CD | 3 months | 0.10% | not stated | not stated | not stated |
| 6-Month CD Special | 6 months | 3.53% | $500 | not stated | not stated |
| 6-Month CD | 6 months | 0.15% | not stated | not stated | not stated |
| 1-Year CD | 12 months | 0.20% | not stated | not stated | not stated |
| 2-Year CD | 24 months | 0.25% | not stated | not stated | not stated |
| 3-Year CD | 36 months | 1.01% | not stated | not stated | not stated |
| IRA CDs | |||||
| 91-Day IRA CD | 3 months | 0.10% | not stated | not stated | not stated |
| 6-Month IRA CD | 6 months | 0.15% | not stated | not stated | not stated |
| 1-Year IRA CD | 12 months | 0.20% | not stated | not stated | not stated |
| 2-Year IRA CD | 24 months | 0.25% | not stated | not stated | not stated |
| 3-Year IRA CD | 36 months | 1.01% | not stated | not stated | not stated |
Opening and using the account
| Availability | Available in NY |
|---|---|
| Footprint | 13 branches in NY |
| Eligibility | not stated |
How The Adirondack Trust Company behaves over time
Every observation of the advertised Golden Passbook Savings rate in the last 12 months was 0.05% (observed through Sep 16, 2026). The series includes promotional tiers where one applied.
- Golden Passbook Savings
- The same as 7 days ago.
- 3 months CD
- The same as 7 days ago.
- High Peaks Tiered Money Market
- The same as 7 days ago.
- Rate last changed
- Sep 2, 2026(effective date)
$10,000 at the 0.05% APY The Adirondack Trust Company advertises on Golden Passbook Savings grows to $10,005 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,676 does today. See how the federal funds rate shapes savings rates.
The Adirondack Trust Company CD rates over time
Who is The Adirondack Trust Company?
| Headquarters | Saratoga Springs, NY |
|---|---|
| Founded | 1901 |
| Scale | $1.7B assets · $1.5B deposits, $1.1B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 660 |
Financial detail is in What The Adirondack Trust Company pays on deposits above.
Common questions about The Adirondack Trust Company
Is The Adirondack Trust Company FDIC insured?
Yes. The Adirondack Trust Company is FDIC insured under certificate 660, so deposits are covered up to $250,000 per depositor, per ownership category.
Does The Adirondack Trust Company have branches?
Yes. The Adirondack Trust Company operates 13 branches according to FDIC branch records, in addition to its website and mobile apps.
The Adirondack Trust Company against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| The Adirondack Trust Company | 1.00% | 1.93% | not stated | 13 branches in NY |
| Bank of Star Valley | 2.53% | 0.97% | $1,000 | 3 branches in WY |
| BankGloucester | 2.00% | 1.61% | $10,000 | 3 branches in MA |
| CBBC Bank | 1.00% | 0.70% | $1,000 | 7 branches in TN |
Alternatives are the three tracked banks whose highest savings APY is closest to The Adirondack Trust Company's.
Similar banks and rate hubs
Banks in the same rate band with the same product mix:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.