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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 - February 08, 2026

SAVINGS RATES APY MIN
SAV
1.25% $20,000 Compare
CD RATES APY MIN
6 Mo CD
3.65% $500 Compare
9 Mo CD
3.75% $500 Compare
12 Mo CD
3.75% $500 Compare
18 Mo CD
3.75% $500 Compare
36 Mo CD
3.75% $500 Compare
48 Mo CD
3.65% $500 Compare
60 Mo CD
1.25% $500 Compare
MM RATES APY MIN
Money Market
0.06% $20,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.20% $20,000




Loan Rates - February 08, 2026

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 0 RATE Line of Credit from PenFed Credit Union PenFed Credit Union
Compare with 6.24 RATE Line of Credit from Third Federal Savings and Loan Third Federal Savings and Loan
Compare with 7 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 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 31945
Date Established 1925
Assets $ 6.35 billion
Loans $ 5.14 billion
Deposits $ 5.48 billion
Capital $ 675.75 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 695.69 million
Interest-bearing balances $ 653.53 million
Total securities $ 324.42 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 5.14 billion
Loan loss allowance $ 51.89 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.23 million
Goodwill and other intangibles $ 0.55 million
All other assets $ 92.67 million
     Total Assets $ 5.67 billion

LIABILITIES
Total deposits $ 5.48 billion
      Interest-bearing deposits $ 4.69 billion
      Deposits held in domestic offices $ 5.48 billion
      % insured (estimated)" 76.05%
Federal funds purchased and repurchase agreements $ 119.22 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 78.86 millionn
      Total Liabilities $ 5.67 billion
      Shareholders’ Equity $ 675.75 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 193.32 million
Total Interest Expense $ 68.27 million
Net interest income $ 125.05 million
Provision for loan and lease losses $ 1.20 million
Total non interest income $ 15.51 million
Total non interest expense $ 78.87 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.
    1.25%
    5.56x (National Avg. - 0.23%)
    $20,000
    -
    SCENARIO
    Year Rate
    1.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 625 438
    2 50,625 633 443
    3 51,258 641 449
    4 51,899 649 454
    5 52,547 657 460
    6 53,204 665 466
    7 53,869 673 471
    8 54,543 682 477
    9 55,224 690 483
    10 55,915 699 489
    11 56,614 708 495
    12 57,321 717 502
    13 58,038 725 508
    14 58,763 735 514
    15 59,498 744 521
    16 60,241 753 527
    17 60,994 762 534
    18 61,757 772 540
    19 62,529 782 547
    20 63,310 791 554
    TOTAL $14,102 $9,871
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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