Saratoga Branch, branch of First National Bank of Scotia - 2025
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First National Bank Of Scotia : Saratoga Branch

3013 Route 50
Saratoga Springs, NY 12866

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Your current location is: New York City, NY

Deposit Rates - December 30, 2025

CD RATES APY MIN MAX
3 Mo CD
0.55% $2,500 $250,000 Compare
6 Mo CD
1.51% $2,500 $249,999 Compare
11 Mo CD
1.03% $25,000 $250,000 Compare
12 Mo CD
1.57% $500 $250,000 Compare
24 Mo CD
1.60% $500 $250,000 Compare
36 Mo CD
1.65% $500 $250,000 Compare
48 Mo CD
1.69% $500 $250,000 Compare
60 Mo CD
1.72% $500 $250,000 Compare
SAVINGS RATES APY MIN MAX
SAV
0.20% $50 $250,000 Compare
MM RATES APY MIN MAX
Money Market
0.65% $2,500 $99,999 Compare
Money Market
1.01% $100,000 $249,999 Compare
Money Market
1.53% $250,000 $999,999 Compare
Money Market
2.01% $1,000,000 - Compare
FIXED IRA RATES APY MIN MAX
24 Mo FIRA
1.60% $500 $250,000
60 Mo FIRA
1.72% $500 $250,000
VARIABLE IRA RATES APY MIN MAX
VIRA
3.75% $50 -
INT CHECKING RATES APY MIN MAX
INTCK
0.05% $500 $250,000

Loan Rates - December 30, 2025

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
15 Year Fixed Conforming
6.68% $2,799.87
20 Year Fixed Conforming
7.00% $2,465.61
30 Year Fixed Conforming
7.00% $2,116.09
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
15 Year Fixed Conforming
6.68% $2,799.87
20 Year Fixed Conforming
7.00% $2,465.61
30 Year Fixed Conforming
7.00% $2,116.09
See Other Mortgage Rates →
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
10 Year Loan
4.40% $1,030.61
15 Year Loan
5.01% $790.27
See Other Home Equity Rates →
AUTO LOAN RATES APR(%) MONTHLY PAYMENT
3 Year
3.59% $733.55
4 Year
3.59% $559.90
5 Year
3.59% $455.80

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