Check out our great CD rate – 3.45% APY for 6 Months! Click here to open an account now!
30 Year Trustco Bank Mortgages: Purchase 5.875% Rate, 5.932% APR
30 Year 5/1 ARM 5.250% Rate, 6.145%APR
You Don't Have to Pay Points on Your Mortgage!
Independent & Strong SINCE 1902.
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FDIC-Insured – Backed by the full faith and credit of the U.S Government
Home2025-12-11T16:59:00-05:00

  • Family spending more time through best online banking
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Online Banking Portal
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Reminder – Trustco Bank will never call you to ask for your personal banking information. See additional security tips here.

  • Introducing Trustco's new Rainy Day Fund, making it easier than ever to save and earn interest.
  • Click to learn more about applying to a fast Home Equity Line of Credit in just 7 Business Days!
  • uChoose Rewards with Trustco Bank rewards debit cardholders to earn points on everyday purchases

ClickSWITCH

Trustco Bank makes switching your account over easy with the help of ClickSWITCH. Switch your direct deposits and automatic payments at the click of a button and see how much easier banking can be. ClitchSWITCH is a valuable tool for Trustco customers, especially those wanting a technologically advanced Florida or New York Bank. For more information, visit your local branch.

Introducing Credit Sense

Your credit sense, and a whole lot more. Now just a click away. All for free! With Credit Sense you can:

  • Check your VantageScore credit score anytime (with no impact on credit)

  • Learn what impacts your credit score and how to make informed decisions

  • Get tips to improve your credit health

  • Monitor for unusual activity with real-time alerts

  • Receive personalized Trustco Bank loans and offers conveniently through online banking

Trustco Bank Celebrating 120 Years of Serving Your Banking Needs!

Thank you to all our loyal Customers, Shareholders, and Employees for your ongoing support!

Welcome to Trustco – Your Home Town Bank

  • Voted #1 Bank in the Capital District by the Times Union.

  • Voted #1 Bank by The Daily Gazette.

  • Voted #1 Mortgage Lender by The Daily Gazette.

  • Voted #1 Investment Firm by The Daily Gazette.

  • A Bauer Financial five-star rated bank.

  • Voted Best Bank on Wolf Road by the Anderson Group.

  • “Bestie Award” in the Capital Region by the Capital Region Living Magazine.

Video Transcript

At Trustco Bank, your mortgage is more than a number — it’s a new beginning. Whether you’re buying your first home or your forever home, our local mortgage originators are with you every step of the way. Fast decisions, low closing costs, and no borrower-paid PMI. It’s the hometown way to homeownership. Visit your neighborhood branch or TrustcoBank.com today.

Financial Guidance For Everyone, at Any Stage

Couple discussing investments
Do You Need A Mortgage?

Are you buying or building a house or upgrading to a second mortgage? Trustco can help.

Couple discussing mortgage lender
Great Introductory Rate!

Home Equity Credit Line at a great introductory rate. 1st or 2nd mortgages. No appraisal fees or origination fees.

Couple considering lender credits
Home Equity Credit Line

Need a fixed rate home equity credit line? Low fixed rate. Fast decisions. No appraisal fees or origination fees.

Planning For Your Retirement?

Trustco offers a wide range of Individual Retirement Account (IRA) investment options with flexible terms of 6 months to 10 years.

Need To Open A Checking Account?

The flexibility and features you want. The convenience and dependability you need.

Trustco Customers and Communities

Month of Thanks

Celebrating by Giving Back In appreciation of our customers and our broader community as a whole, [...]

Trustco Bank’s Hall of Fame Inducts 2025 ‘Home Town Heroes’

Award Recognizes “Real People Doing Real Things” to Build Stronger Communities Albany, NY (November 7, 2025) [...]

Trustco Bank volunteers at the Upstate NY Ronald McDonald House Charities

Trustco Bank was proud to once again support the Ronald McDonald House Charities of the Capital [...]

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