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The Adirondack Trust Company : West Church Branch

Church Street
Saratoga Springs, NY 12866

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Deposit Rates - November 15, 2025

CD RATES APY MIN MAX
6 Mo CD
0.15% $10,000 $14,999 Compare
6 Mo CD
0.15% $100,000 $199,999 Compare
12 Mo CD
0.20% $10,000 $14,999 Compare
12 Mo CD
0.20% $100,000 $199,999 Compare
24 Mo CD
0.35% $10,000 $14,999 Compare
24 Mo CD
0.35% $100,000 $199,999 Compare
36 Mo CD
0.50% $10,000 $14,999 Compare
36 Mo CD
0.50% $100,000 $199,999 Compare
SAVINGS RATES APY MIN MAX
Savings
0.10% $2,500 $4,999 Compare
MM RATES APY MIN MAX
Money Market
0.10% $2,500 $2,999 Compare
Money Market
0.10% $10,000 $14,999 Compare
Money Market
0.10% $25,000 $29,999 Compare
FIXED IRA RATES APY MIN MAX
Fixed IRA
0.20% $1 $999
INT CHECKING RATES APY MIN MAX
Int Ckg
0.05% $2,500 $3,499

Loan Rates - November 15, 2025

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
5 Year Adjustable Conforming
7.98% $2,182.96
10 Year Adjustable Conforming
7.45% $2,096.83
15 Year Fixed Conforming
6.77% $2,831.71
30 Year Fixed Conforming
7.11% $2,150.50
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
5 Year Adjustable Conforming
7.98% $2,182.96
10 Year Adjustable Conforming
7.45% $2,096.83
15 Year Fixed Conforming
6.77% $2,831.71
30 Year Fixed Conforming
7.11% $2,150.50
See Other Mortgage Rates →
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
2.99% 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
4.75% $1,048.48
15 Year Loan
5.75% $830.41
See Other Home Equity Rates →
AUTO LOAN RATES APR(%) MONTHLY PAYMENT
5 Year
5.49% $477.41

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