TrustCo Bank CD Rates — October 2026
As of October 22, 2026, TrustCo Bank's highest tracked CD rate is 4.40% APY on a 6-month promotional CD ($500 minimum). That is 3.2 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.20% to 1.25% APY.
Tracking began .
TrustCo Bank CD rates
Rates below are TrustCo’s online account rates; branch rates may differ.
| Term | Product | APY |
|---|---|---|
| 30 days | Certificate of Deposit | 0.20%Verified October 22, 2026 |
| 180 days | Certificate of Deposit | 0.40%Verified October 22, 2026 |
| 6 months | Certificate of Deposit Special Promotional | 4.40%Verified October 22, 2026 |
| 9 months | Certificate of Deposit Special Promotional | 4.25%Verified October 22, 2026 |
| 12 months | Certificate of Deposit Special Promotional | 4.00%Verified October 22, 2026 |
| 12 months | Certificate of Deposit | 1.15%Verified October 22, 2026 |
| 13 months | Certificate of Deposit Special Promotional | 4.00%Verified October 22, 2026 |
| 14 months | Certificate of Deposit Special Promotional | 4.00%Verified October 22, 2026 |
| 15 months | Certificate of Deposit Special Promotional | 4.00%Verified October 22, 2026 |
| 16 months | Certificate of Deposit Special Promotional | 4.00%Verified October 22, 2026 |
| 17 months | Certificate of Deposit Special Promotional | 4.00%Verified October 22, 2026 |
| 18 months | Certificate of Deposit Special Promotional | 4.00%Verified October 22, 2026 |
| 18 months | Certificate of Deposit | 1.25%Verified October 22, 2026 |
| 24 months | Certificate of Deposit | 1.25%Verified October 22, 2026 |
| 36 months | Certificate of Deposit | 1.25%Verified October 22, 2026 |
| 48 months | Certificate of Deposit | 1.25%Verified October 22, 2026 |
| 60 months | Certificate of Deposit | 1.25%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.40% APY (6 months). The standard rate for a similar term is 0.40% APY (180 days). If the CD renews at the standard rate when it matures, $10,000 would earn about $400 less per year. Check the account terms and set a reminder before maturity.
What are TrustCo Bank's best CD rates by term?
TrustCo Bank's best rate is 4.40% APY on 6 months, verified October 22, 2026.
- 30 days0.20%
- 180 days0.40%
- 6 mo4.40%
- 9 mo4.25%
- 12 mo4.00%
- 13 mo4.00%
- 14 mo4.00%
- 15 mo4.00%
- 16 mo4.00%
- 17 mo4.00%
- 18 mo4.00%
- 24 mo1.25%
- 36 mo1.25%
- 48 mo1.25%
- 60 mo1.25%
How much interest could a TrustCo Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $109.124.40% APY · Certificate of Deposit Special · Promotional | $218.234.40% APY · Certificate of Deposit Special · Promotional | $545.594.40% APY · Certificate of Deposit Special · Promotional | $1,091.174.40% APY · Certificate of Deposit Special · Promotional |
| 9 months | $158.694.25% APY · Certificate of Deposit Special · Promotional | $317.384.25% APY · Certificate of Deposit Special · Promotional | $793.454.25% APY · Certificate of Deposit Special · Promotional | $1,586.904.25% APY · Certificate of Deposit Special · Promotional |
| 12 months | $200.004.00% APY · Certificate of Deposit Special · Promotional | $400.004.00% APY · Certificate of Deposit Special · Promotional | $1,000.004.00% APY · Certificate of Deposit Special · Promotional | $2,000.004.00% APY · Certificate of Deposit Special · Promotional |
| 18 months | $303.274.00% APY · Certificate of Deposit Special · Promotional | $606.534.00% APY · Certificate of Deposit Special · Promotional | $1,516.334.00% APY · Certificate of Deposit Special · Promotional | $3,032.654.00% APY · Certificate of Deposit Special · Promotional |
| 24 months | $125.781.25% APY · Certificate of Deposit · Standard | $251.561.25% APY · Certificate of Deposit · Standard | $628.911.25% APY · Certificate of Deposit · Standard | $1,257.811.25% APY · Certificate of Deposit · Standard |
| 60 months | $320.411.25% APY · Certificate of Deposit · Standard | $640.821.25% APY · Certificate of Deposit · Standard | $1,602.051.25% APY · Certificate of Deposit · Standard | $3,204.111.25% APY · Certificate of Deposit · Standard |
How TrustCo Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 183-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 3 of 86 tracked institutions with fresh 183-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| TrustCo Bank (this institution)Certificate of Deposit Special · Promotional | 6 months | $500 | Coverage: FL, MA, NJ, NY, VT | 4.40% | October 22, 2026 |
| Empower Federal Credit Union (highest tracked APY for this term)Share Certificate · Standard | 6 months | $500 | Coverage: NY | 5.00% | October 22, 2026 |
| Wings Credit Union (formerly Ent)My Savings Builder Certificate · Special | 6 months | $25 | Coverage: CO, FL, GA, MI, MN, WI | 4.80% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 6 months | $10,000 | Nationwide; check eligibility | 4.35% | October 22, 2026 |
| Treasury (APY-equivalent) | 6 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.40% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking TrustCo Bank on October 22, 2026.
About TrustCo Bank
- Legal name
- Trustco Bank
- Regulator ID
- FDIC 31945
- Headquarters
- Glenville, NY
- Available in
- FL, MA, NJ, NY, VT
- Total assets
- $6.5 billion
- Also known as
- TrustCo, Trustco
- Website
- www.trustcobank.com
Source: rates read from https://www.trustcobank.com/online-account-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at TrustCo Bank?
Among the rates we track, 4.40% APY on a 6-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a TrustCo Bank CD?
The lowest minimum we found is $500.
How does TrustCo Bank's best CD rate compare with Treasury yields?
4.40% APY is +0.00% versus the 6-month Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.40% a good CD rate?
It is 3.2 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are TrustCo Bank CDs insured?
TrustCo Bank is an FDIC-insured bank (FDIC 31945). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check TrustCo Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from TrustCo Bank's website and may change at any time. Confirm terms, minimums and eligibility with TrustCo Bank before opening an account. This page is not financial advice.