# TrustCo Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/trustco-bank
Institution: Trustco Bank (FDIC 31945)
Aliases: TrustCo, Trustco
Status: live
Last verified: 2026-10-22T12:05:25.000Z (October 22, 2026)
Official source: https://www.trustcobank.com/online-account-rates/
Coverage: Rates below are TrustCo’s online account rates; branch rates may differ.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 30 days | $500 | 0.20% | Not ZIP-priced | −3.93% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |
| Certificate of Deposit | standard | 180 days | $500 | 0.40% | Not ZIP-priced | −4.00% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |
| Certificate of Deposit Special | promotional | 6 months | $500 | 4.40% | Not ZIP-priced | +0.00% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |
| Certificate of Deposit Special | promotional | 9 months | $500 | 4.25% | Not ZIP-priced | −0.23% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |
| Certificate of Deposit Special | promotional | 12 months | $500 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |
| Certificate of Deposit | standard | 12 months | $500 | 1.15% | Not ZIP-priced | −3.42% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |
| Certificate of Deposit Special | promotional | 13 months | $500 | 4.00% | Not ZIP-priced | −0.60% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |
| Certificate of Deposit Special | promotional | 14 months | $500 | 4.00% | Not ZIP-priced | −0.62% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |
| Certificate of Deposit Special | promotional | 15 months | $500 | 4.00% | Not ZIP-priced | −0.65% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |
| Certificate of Deposit Special | promotional | 16 months | $500 | 4.00% | Not ZIP-priced | −0.67% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |
| Certificate of Deposit Special | promotional | 17 months | $500 | 4.00% | Not ZIP-priced | −0.69% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |
| Certificate of Deposit Special | promotional | 18 months | $500 | 4.00% | Not ZIP-priced | −0.72% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |
| Certificate of Deposit | standard | 18 months | $500 | 1.25% | Not ZIP-priced | −3.47% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |
| Certificate of Deposit | standard | 24 months | $500 | 1.25% | Not ZIP-priced | −3.62% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |
| Certificate of Deposit | standard | 36 months | $500 | 1.25% | Not ZIP-priced | −3.70% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |
| Certificate of Deposit | standard | 48 months | $500 | 1.25% | Not ZIP-priced | −3.73% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |
| Certificate of Deposit | standard | 60 months | $500 | 1.25% | Not ZIP-priced | −3.76% | 2026-10-22T12:05:25.000Z | [Snapshot 266](https://apyledger.com/snapshots/266) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.