Adirondack Bank
Adirondack Bank is an FDIC insured institution headquartered at
185 Genesee St, Utica, NY 13501.
It was founded in
1898 and has approximately $1 billion in assets. Customers can open an account at one of its 19 branches.
Deposit Rates - August 04, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.01% | $0 | Compare |
|
SAV
|
0.01% | $100 | Compare |
|
SAV
|
0.03% | $500,000 | Compare |
|
SAV
|
0.05% | $5,000,000 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
3 Mo CD
|
0.10% | $1,000 | Compare |
|
6 Mo CD
|
3.25% | $1,000 | Compare |
|
12 Mo CD
|
3.09% | $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 |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.01% | $0 | Compare |
|
Money Market
|
0.03% | $250,000 | Compare |
|
Money Market
|
0.05% | $5,000,000 | Compare |
| FIXED IRA RATES | APY | MIN |
|---|---|---|
|
6 Mo FIRA
|
3.25% | $1,000 |
|
12 Mo FIRA
|
3.09% | $1,000 |
|
24 Mo FIRA
|
0.20% | $1,000 |
| VARIABLE IRA RATES | APY | MIN |
|---|---|---|
|
VIRA
|
0.10% | $0 |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.15% | $0 |
Loan Rates - August 04, 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 |
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
5.25% | Varies | ||
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan
|
||||
Compare with 7.75 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
Compare with RATE Line of Credit from PenFed Credit Union
|
||||
Compare with 8.5 RATE Line of Credit from Farmers Bank of Kansas City
|
||||
|
10 Year Loan
|
4.50% | $1,036.38 | ||
|
15 Year Loan
|
5.00% | $790.79 | ||
| AUTO LOAN RATES | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
3 Year
|
3.50% | $732.55 |
|
4 Year
|
4.00% | $564.48 |
|
5 Year
|
4.50% | $466.08 |
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 28380 |
| Date Established | 1898 |
| Assets | $ 994.37 million |
| Loans | $ 617.74 million |
| Deposits | $ 910.93 million |
| Capital | $ 68.56 million |
Summary Balance Sheet as of March 31, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 40.65 million |
| Interest-bearing balances | $ 29.03 million |
| Total securities | $ 282.88 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 617.74 million |
| Loan loss allowance | $ 4.72 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.03 million |
| Goodwill and other intangibles | $ 2.26 million |
| All other assets | $ 29.86 million |
| Total Assets | $ 925.81 million |
| LIABILITIES | |
| Total deposits | $ 910.93 million |
| Interest-bearing deposits | $ 595.77 million |
| Deposits held in domestic offices | $ 910.93 million |
| % insured (estimated)" | 60.38% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 10.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 5.87 millionn |
| Total Liabilities | $ 925.81 million |
| Shareholders’ Equity | $ 68.56 million |
Summary Income Statement as of March 31, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 10.41 million |
| Total Interest Expense | $ 1.93 million |
| Net interest income | $ 8.48 million |
| Provision for loan and lease losses | $ 0.21 million |
| Total non interest income | $ 1.37 million |
| Total non interest expense | $ 8.87 million |
| Pre-tax Net Operating Income | $ 1.10 million |
Customer Reviews for Adirondack Bank
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