Bank · FDIC insured
Adirondack Trust Company CD Rates
Adirondack Trust Company’s best CD rate is 4.06% APY on a 3-month CD. Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Adirondack Trust Company’s CD rates compare
Compared with banks and credit unions near Albany, NY, where Adirondack Trust Company has the most branches. $10,000, best rate first.
This bank’s best
Adirondack Trust Company
4.06%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $100
Certificate of Deposit
Top rate
Broadview Federal Credit Union
4.40%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $254
2nd-highest rate
Sunmark Credit Union
4.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $210
Adirondack Trust Company CD score
70
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo4.06%
- 9–15 months9–15 mo0.20%
- 16–30 months16–30 mo0.25%
- 31–60 months31–60 mo1.01%
- QualifiedQualified4.06%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Adirondack Trust Company ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.06%APY · 5 terms
Early withdrawal penalty applies. Fees may reduce earnings. APY assumes principal and interest remain on deposit until maturity.
| Term | APY · $500 and up | APY · $500 – $1,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsCompounded Simple | 0.10% | — | 0.10% | $2 |
| 3 monthsCompounded Simple. CD special is available at any Adirondack Trust Company retail branch location. Offer good for a limited time only | — | 4.06% | 4.06% | $100 |
| 6 monthsCompounded Simple | 0.15% | — | 0.15% | $7 |
| 6 monthsCompounded Simple. CD special is available at any Adirondack Trust Company retail branch location. Offer good for a limited time only | — | 4.04% | 4.04% | $200 |
| 12 monthsCompounded Daily | 0.20% | — | 0.20% | $20 |
| 24 monthsCompounded Daily | 0.25% | — | 0.25% | $50 |
| 36 monthsCompounded Daily | 1.01% | — | 1.01% | $306 |
Sources (1)
- adirondacktrust.com/ABOUT/Rates/Deposit-Rate · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 1.01%APY · 5 terms
IRA Accounts are not subject to the minimum balance requirements. Early withdrawal penalty applies. Fees may reduce earnings. APY assumes principal and interest remain on deposit until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompounded Simple. IRA accounts are not subject to minimum balance requirements | 0.10% | $2 |
| 6 monthsCompounded Simple. IRA accounts are not subject to minimum balance requirements | 0.15% | $7 |
| 12 monthsCompounded Daily. IRA accounts are not subject to minimum balance requirements | 0.20% | $20 |
| 24 monthsCompounded Daily. IRA accounts are not subject to minimum balance requirements | 0.25% | $50 |
| 36 monthsCompounded Daily. IRA accounts are not subject to minimum balance requirements | 1.01% | $306 |
Sources (1)
- adirondacktrust.com/ABOUT/Rates/Deposit-Rate · captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.