APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
Lines containing rates, copied from the public page below; open that page for full terms. Never enter account details on apyledger.com.

Source: https://www.trustcobank.com/online-account-rates/
Read: 2026-10-22T12:05:25.000Z

Online Account Rates | Strong APYs Skip to main content CD Rates 6 Month 4.40% APY (Annual Percentage Yield)
30 Year Trustco Bank Mortgages: Purchase 7.125% Rate, 7.187% APR
5/1 ARM 6.250% Rate, 6.448% APR
Deposit Account | Annual Percentage Yield
6 Months CD 1 | 4.40%
9 Months CD 1 | 4.25%
12 Months CD 1 | 4.00%
13 Months CD 1 | 4.00%
14 Months CD 1 | 4.00%
15 Months CD 1 | 4.00%
16 Months CD 1 | 4.00%
17 Months CD 1 | 4.00%
18 Months CD 1 | 4.00%
5 Years + 1 | 1.25%
48 - 59 Months 1 | 1.25%
36 - 47 Months 1 | 1.25%
24 - 35 Months 1 | 1.25%
18 - 23 Months 1 | 1.25%
12 - 17 Months 1 | 1.15%
180 - 364 Days 1 | 0.40%
30 - 179 Days 1 | 0.20%
3 Month Savings Account Promotional Intro Rate 2.70% 2
Home Town Savings- $20,000 to $49,999.99 2 | 0.73%
Home Town Savings- $50,000 to $99,999.99 2 | 0.80%
Home Town Savings- $100,000 to $249,999.99 2 | 0.91%
Home Town Savings- $250,000 and above 2 | 0.95%
Home Town Savings- $200 to $14,999.99 3 | 0.06%
Home Town Savings- $15,000 to $49,999.99 3 | 0.07%
Home Town Savings- $50,000 to $99,999.99 3 | 0.15%
Home Town Savings- $100,000 to $249,999.99 3 | 0.30%
Home Town Savings- $250,000 and above 3 | 0.35%
3 Month Home Town Investment Checking Promotional Intro Rate 3.10% 4 | 1.54%
Home Town Investment Checking 5 | 1.00%
Home Town Premier Checking 6 | 0.01%
Home Town Free Checking 7 | 0.00%
Home Town Student Checking 8 | 0.00%
3 Month Money Market Promotional Intro Rate 3.10% 9
Money Market- $100,000 to $499,999.99 9 | 1.05%
Money Market- $500,000 to $1,999,999.99 9 | 1.09%
Money Market- $2,000,000 to $4,999,999.99 9 | 1.57%
Money Market- $5,000,000 to $9,999,999.99 9 | 1.57%
Money Market- $10,000,000 and above 9 | 1.57%
Money Market- $0 to $14,999.99 10 | 0.05%
Money Market- $15,000 to $49,999.99 10 | 0.08%
Money Market- $50,000 to $99,999.99 10 | 0.10%
Money Market- $100,000 to $499,999.99 10 | 0.35%
Money Market- $500,000 to $1,999,999.99 10 | 0.40%
Money Market- $2,000,000 to $4,999,999.99 10 | 1.01%
Money Market- $5,000,000 to $9,999,999.99 10 | 1.01%
Money Market- $10,000,000 and above 10 | 1.01%
(1) Annual Percentage Yield (APY). A minimum deposit of $500.00 is required to open a Certificate of Deposit. The Daily minimum balance requirement to achieve APY is $500. Interest is accrued daily and credited monthly. Substantial penalty for early withdrawal. Fees may reduce earnings.
(2) The minimum balance requirement to open an account is $50 and the minimum balance requirement to achieve promotional introductory APY is $20,000. This offer applies to new money only. Funds must come from a source other than Trustco Bank. The introductory rate will apply for the first 3 months after the account is opened. After 3 months, this becomes a variable rate account based on current rates and levels. The Interest Rate is shown for each balance range. Rates subject to change at any time. $200 minimum balance required to avoid monthly charge of $5.00. Fees may reduce earnings. (3) A minimum deposit of $50.00 is required to open a Home Town Passbook and Statement Savings Account, and you must keep a $200.00 Daily minimum available balance to avoid a monthly service charge and earn interest. Rate may change after account is opened. $200 minimum balance required to avoid monthly charge of $5.00. Fees may reduce earnings
(4) A minimum deposit of $20,000 is required to open a Home Town Investment Checking account to receive promotional APY. $25 monthly service charge. After 3 statement cycles this becomes a variable rate account based on the current investment checking Interest Rate. Monthly service charge is waived if there is a reoccurring direct deposit of payroll, retirement, or a social security income or a monthly average collected balance of $20,000. Interest paid on balances of collected daily balance of $20,000.00 or more. Daily interest earnings are accrued without compounding, and deposited to the account on a monthly basis. Rate may changed after account is opened. Fees may reduce earnings.
(9) A minimum deposit of $100,000 is required to open a Money Market Account to receive promotional introductory APY. This offer applies to new money only. Funds must come from a source other than Trustco Bank. The introductory rate will apply for the first 3 months after the account is opened. After 3 statement cycles this becomes a variable rate account based on current money market rates and levels listed above. The Interest Rate is shown for each balance range. A Daily minimum statement balance of $2,500.00 is required to avoid a monthly service charge of $10.00. Rate may change after account is opened. Monthly service charges or fees could reduce earnings. Interest is calculated using the collected balance and interest earnings are accrued without compounding and deposited monthly. (10) A minimum deposit of $2,500 is required to open a Money Market Account. A Daily minimum statement balance of $2,500.00 is required to avoid a monthly service charge of $10.00. Rate may change after account is opened. Monthly service charges or fees could reduce earnings. Interest is calculated using the collected balance and interest earnings are accrued without compounding and deposited monthly.
### © Copyright 2026 Trustco Bank, All Rights Reserved | Trustco is a registered trademark of Trustco Bank