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Adirondack Bank : Charlotte Street Branch

804 Charlotte Street
Utica, NY 13501

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Deposit Rates - November 14, 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
2.84% $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
2.84% $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 - November 14, 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
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Quicken Loans   Quicken Loans
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
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Quicken Loans   Quicken Loans
See Other Mortgage Rates →
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
5.25% Varies
Compare with 0 RATE Line of Credit from PenFed Credit Union PenFed Credit Union
Compare with 6.95 RATE Line of Credit from Figure Home Equity Figure Home Equity
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan Third Federal Savings and Loan
Compare with 7.25 RATE Line of Credit from Four Leaf Federal Credit Union Four Leaf Federal 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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