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Adirondack Bank : Charlotte Street Branch

804 Charlotte Street
Utica, NY 13501

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Deposit Rates - September 27, 2025

CD RATES APY MIN MAX
3 Mo CD
0.10% $1,000 - Compare
6 Mo CD
2.94% $1,000 - Compare
12 Mo CD
2.78% $1,000 - Compare
18 Mo CD
0.20% $1,000 - Compare
24 Mo CD
0.25% $1,000 - Compare
36 Mo CD
0.40% $1,000 - Compare
48 Mo CD
0.50% $1,000 - Compare
60 Mo CD
0.50% $1,000 - Compare
SAVINGS RATES APY MIN MAX
SAV
0.01% $0 $499,999 Compare
SAV
0.01% $100 - Compare
SAV
0.03% $500,000 $1,999,999 Compare
SAV
0.05% $5,000,000 - Compare
MM RATES APY MIN MAX
Money Market
0.01% $0 $249,999 Compare
Money Market
0.03% $250,000 $4,999,999 Compare
Money Market
0.05% $5,000,000 - Compare
FIXED IRA RATES APY MIN MAX
6 Mo FIRA
2.94% $1,000 -
12 Mo FIRA
2.78% $1,000 -
24 Mo FIRA
0.20% $1,000 -
VARIABLE IRA RATES APY MIN MAX
VIRA
0.10% $0 -
INT CHECKING RATES APY MIN MAX
INTCK
0.15% $0 $15,000

Loan Rates - September 27, 2025

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
7 Year Adjustable Conforming
7.55% $2,103.24
10 Year Adjustable Conforming
7.44% $2,128.97
15 Year Fixed Jumbo
6.76% $2,831.71
15 Year Fixed Conforming
6.78% $2,831.71
20 Year Fixed Conforming
7.02% $2,480.96
20 Year Fixed Jumbo
7.04% $2,480.96
30 Year Fixed Conforming
7.14% $2,156.98
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
7 Year Adjustable Conforming
7.55% $2,103.24
10 Year Adjustable Conforming
7.44% $2,128.97
15 Year Fixed Jumbo
6.76% $2,831.71
15 Year Fixed Conforming
6.78% $2,831.71
20 Year Fixed Conforming
7.02% $2,480.96
20 Year Fixed Jumbo
7.04% $2,480.96
30 Year Fixed Conforming
7.14% $2,156.98
See Other Mortgage Rates →
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
5.25% Varies
Compare with RATE Line of Credit from PenFed Credit Union PenFed Credit Union
10 Year Loan
4.50% $1,036.38
15 Year Loan
5.00% $790.79
See Other Home Equity Rates →
AUTO LOAN RATES APR(%) MONTHLY PAYMENT
3 Year
3.50% $732.55
4 Year
4.00% $564.48
5 Year
4.50% $466.08

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