TrustCo Bank rates: up to 4.25% APY
bank · FDIC CERT 31945 · www.trustcobank.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Home Town Savings | 0.73% | APY | 2026-11-01 | since 2026-11-01 | ||
| Savings | 48 - 59 Months1 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | 36 - 47 Months1 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | 24 - 35 Months1 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | 18 - 23 Months1 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | 12 - 17 Months1 | 1.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | 1.58% | APY | 2026-11-01 | since 2026-11-01 | ||
| Savings | 30 - 179 Days1 · from $179 | 0.20% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Certificate of Deposit | 180 - 364 Days 1 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 Months CD 1 | 6 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 9 Months CD 1 | 9 months | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 Months CD 1 | 1 year | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 13 Months CD 1 | 13 months | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 14 Months CD 1 | 14 months | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 15 Months CD 1 | 15 months | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 16 Months CD 1 | 16 months | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 17 Months CD 1 | 17 months | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 Months CD 1 | 18 months | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 5 Years +1 | 1.25% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market | 1.05% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Home Town Free Checking 7 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | ||
| Home Town Investment Checking 5 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | ||
| Home Town Premier Checking 6 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | ||
| Home Town Student Checking 8 | 0.00% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.trustcobank.com/online-account-rates/ | 2026-11-01 14:14 UTC | ok | 54a544327952 |
| www.trustcobank.com/current-interest-rates/ | — | extract-failed | |
| www.trustcobank.com/current-interest-rates/deposits/ | — | extract-failed |