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TrustCo Bank


ACH Number: 63192450

TrustCo Bank is an FDIC insured institution headquartered at 1 Sarnowski Dr, Glenville, NY 12302.
It was founded in 1925 and has approximately $6 billion in assets. Customers can open an account at one of its 147 branches.

Deposit Rates - December 09, 2025

SAVINGS RATES APY MIN
SAV
0.97% $20,000 Compare
CD RATES APY MIN
6 Mo CD
3.55% $500 Compare
9 Mo CD
3.35% $500 Compare
12 Mo CD
1.45% $500 Compare
18 Mo CD
0.45% $500 Compare
36 Mo CD
0.94% $500 Compare
48 Mo CD
1.05% $500 Compare
60 Mo CD
0.80% $500 Compare
MM RATES APY MIN
Money Market
0.00% $20,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.35% $20,000

Loan Rates - December 09, 2025

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
15 Year Fixed Conforming
6.35% $2,743.75
30 Year Fixed Conforming
5.74% $1,865.40
30 Year Fixed Jumbo
6.26% $1,970.30
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
15 Year Fixed Conforming
6.35% $2,743.75
30 Year Fixed Jumbo
6.26% $1,970.30
30 Year Fixed Conforming
6.43% $1,996.38
See Other Mortgage Rates →
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
6.25% Varies
Compare with 6.95 RATE Line of Credit from Figure Home Equity Figure Home Equity
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc Reliant Home Funding, Inc
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
20 Year Loan
5.50% $687.89
See Other Home Equity Rates →
AUTO LOAN RATES APR(%) MONTHLY PAYMENT
4 Year
3.49% $558.79
5 Year
3.99% $460.30

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 31945
Date Established 1925
Assets $ 6.35 billion
Loans $ 5.11 billion
Deposits $ 5.49 billion
Capital $ 668.26 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 713.78 million
Interest-bearing balances $ 668.37 million
Total securities $ 341.36 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 5.11 billion
Loan loss allowance $ 51.27 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.14 million
Goodwill and other intangibles $ 0.55 million
All other assets $ 92.67 million
     Total Assets $ 5.68 billion

LIABILITIES
Total deposits $ 5.49 billion
      Interest-bearing deposits $ 4.70 billion
      Deposits held in domestic offices $ 5.49 billion
      % insured (estimated)" 79.50%
Federal funds purchased and repurchase agreements $ 111.89 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 78.86 millionn
      Total Liabilities $ 5.68 billion
      Shareholders’ Equity $ 668.26 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 127.29 million
Total Interest Expense $ 45.30 million
Net interest income $ 81.99 million
Provision for loan and lease losses $ 0.95 million
Total non interest income $ 10.50 million
Total non interest expense $ 52.53 million
Pre-tax Net Operating Income $ 47.03 million

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Branches

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Your current location is: New York City, NY

TrustCo Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    TrustCo Bank
    Bank
    -
    $50,000
    N.A.
    0.97%
    4.29x (National Avg. - 0.23%)
    $20,000
    -
    SCENARIO
    Year Rate
    0.97%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 485 340
    2 50,485 490 343
    3 50,975 494 346
    4 51,469 499 349
    5 51,968 504 353
    6 52,473 509 356
    7 52,981 514 360
    8 53,495 519 363
    9 54,014 524 367
    10 54,538 529 370
    11 55,067 534 374
    12 55,601 539 378
    13 56,141 545 381
    14 56,685 550 385
    15 57,235 555 389
    16 57,790 561 392
    17 58,351 566 396
    18 58,917 571 400
    19 59,488 577 404
    20 60,065 583 408
    TOTAL $10,648 $7,454
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


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