Bank · FDIC insured
Adirondack Trust Company Savings Rates
Adirondack Trust Company’s best savings rate is 0.15% APY on $10,000, with its High Peaks Tiered Money Market. Rates checked October 16, 2026.
How Adirondack Trust Company’s savings 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
0.15%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $15
High Peaks Tiered Money Market
Top rate
NextStep Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $20
- Earns on $10,000 a year
- $400
2nd-highest rate
Pioneer
3.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $350
Adirondack Trust Company savings score
62
Savings score
Higher than 7% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.05%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
High Peaks Tiered Money Market
0.15%APY
Available to individuals only. Compounded and credited monthly. A minimum balance fee of $15.00 will be imposed every month if the balance in the account falls below $15,000 any day of the month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Tier IV (Under $50,000). Compounded monthly. A minimum balance fee of $15.00 will be imposed every month if the balance in the account falls below $15,000 any day of the month. | 0.15% | $15 | Tier IV (Under $50,000). Compounded monthly. A minimum balance fee of $15.00 will be imposed every month if the balance in the account falls below $15,000 any day of the month. |
| $50,000 – $100,000Tier III. Compounded monthly. A minimum balance fee of $15.00 will be imposed every month if the balance in the account falls below $15,000 any day of the month. | 0.25% | — | Tier III. Compounded monthly. A minimum balance fee of $15.00 will be imposed every month if the balance in the account falls below $15,000 any day of the month. |
| $100,000 – $200,000Tier II. Compounded monthly. A minimum balance fee of $15.00 will be imposed every month if the balance in the account falls below $15,000 any day of the month. | 0.50% | — | Tier II. Compounded monthly. A minimum balance fee of $15.00 will be imposed every month if the balance in the account falls below $15,000 any day of the month. |
| $200,000 and upTier I. Compounded monthly. A minimum balance fee of $15.00 will be imposed every month if the balance in the account falls below $15,000 any day of the month. | 1.00% | — | Tier I. Compounded monthly. A minimum balance fee of $15.00 will be imposed every month if the balance in the account falls below $15,000 any day of the month. |
Money Market (MMDA)
0.05%APY
MMDA rate reverts to NOW rate when average balance falls below minimum.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMMDA rate reverts to NOW rate when average balance falls below minimum. Compounded monthly.$2,500 and up | 0.05% | $5 | MMDA rate reverts to NOW rate when average balance falls below minimum. Compounded monthly. |
Sources (2)
All captured Oct 5, 2026
Golden Passbook Savings
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded quarterly. $100 daily balance required to avoid $1 per quarter fee.Any balance | 0.05% | $5 | Compounded quarterly. $100 daily balance required to avoid $1 per quarter fee. |
Sources (1)
- adirondacktrust.com/ABOUT/Rates/Deposit-Rate · captured Oct 5, 2026
Statement Savings
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded monthly. $50 daily balance required to avoid $1 monthly fee.Any balance | 0.05% | $5 | Compounded monthly. $50 daily balance required to avoid $1 monthly fee. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account
1.00%APY
Must be used for qualified, out-of-pocket medical expenses. Individual accounts only (not for joint accounts). $25 fee to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded monthly. $1 minimum balance to open account only; no minimum balance to avoid fees or obtain APY. $25 opening fee. $4 monthly maintenance fee charged for paper statements by mail, reduced to $2 if receiving online statements via WebWise.Any balance | 1.00% | $100 | Compounded monthly. $1 minimum balance to open account only; no minimum balance to avoid fees or obtain APY. $25 opening fee. $4 monthly maintenance fee charged for paper statements by mail, reduced to $2 if receiving online statements via WebWise. |
Student Statement Savings
0.05%APY
Available for ages 23 or under.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded quarterly. For age 23 or under. $1 minimum balance to open account only; no minimum balance to avoid fees or obtain APY.Any balance | 0.05% | $5 | Compounded quarterly. For age 23 or under. $1 minimum balance to open account only; no minimum balance to avoid fees or obtain APY. |
Sources (2)
All captured Oct 5, 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.