Click on the account type below to open an account.
| Deposit Account | Annual Percentage Yield |
|---|---|
| Certificates of Deposit Specials | |
| 3 Months CD1 | 4.00% |
| 6 Months CD1 | 3.75% |
| 12 Months CD1 | 3.60% |
| 15 Months CD1 | 3.55% |
| Certificates of Deposit | |
| 5 Years +1 | 1.45% |
| 48 - 59 Months1 | 1.45% |
| 36 - 47 Months1 | 1.45% |
| 24 - 35 Months1 | 1.45% |
| 18 - 23 Months1 | 1.45% |
| 12 - 17 Months1 | 1.45% |
| 180 - 364 Days 1 | 0.45% |
| 30 - 179 Days1 | 0.20% |
| Savings Account Promotional Rates | |
| 3 Month Savings Account Promotional Intro Rate 3.30%2 | |
| Home Town Savings- $200 to $14,999.992 | 0.87% |
| Home Town Savings- $15,000 to $49,999.992 | 0.88% |
| Home Town Savings- $50,000 to $99,999.992 | 0.94% |
| Home Town Savings- $100,000 to $249,999.992 | 1.05% |
| Home Town Savings- $250,000 and above2 | 1.09% |
| Savings Accounts | |
| Home Town Savings- $200 to $14,999.993 | 0.06% |
| Home Town Savings- $15,000 to $49,999.993 | 0.07% |
| Home Town Savings- $50,000 to $99,999.993 | 0.15% |
| Home Town Savings- $100,000 to $249,999.993 | 0.30% |
| Home Town Savings- $250,000 and above3 | 0.35% |
| Checking Account Promotional Rates | |
| 3 Month Home Town Investment Checking Promotional Intro Rate 3.50%5 | 1.63% |
| Checking Accounts | |
| Home Town Investment Checking6 | 1.00% |
| Home Town Premier Checking7 | 0.01% |
| Home Town Free Checking8 | 0.00% |
| Home Town Student Checking9 | 0.00% |
| Money Market Account Promotional Rates | |
| 3 Month Money Market Promotional Intro Rate 3.15%10 | |
| Money Market- $0 to $14,99910 | 0.83% |
| Money Market- $15,000 to $49,99910 | 0.85% |
| Money Market- $50,000 to 99,99910 | 0.88% |
| Money Market- $100,000 to $499,999.9910 | 1.09% |
| Money Market- $500,000 to $1,999,999.9910 | 1.13% |
| Money Market- $2,000,000 to $4,999,999.9910 | 1.58% |
| Money Market- $5,000,000 to $9,999,999.9910 | 1.58% |
| Money Market- $10,000,000 and above10 | 1.58% |
| Money Market | |
| Money Market- $0 to $14,99911 | 0.05% |
| Money Market- $15,000 to $49,99911 | 0.08% |
| Money Market- $50,000 to 99,99911 | 0.12% |
| Money Market- $100,000 to $499,999.9911 | 0.40% |
| Money Market- $500,000 to $1,999,999.9911 | 0.45% |
| Money Market- $2,000,000 to $4,999,999.9911 | 1.01% |
| Money Market- $5,000,000 to $9,999,999.9911 | 1.01% |
| Money Market- $10,000,000 and above11 | 1.01% |
Disclaimer:
(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 Blended APY 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. Fees may reduce earnings
(4) The Rainy Day Fund Account requires a minimum transfer from a Trustco Bank Home Town Checking Account of $5.00 per week. Withdrawals will happen on each Monday (Tuesday when Monday is a legal holiday).No minimum balance to obtain APY. Rate is subject to change.
(5) 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 rate which is currently at 1.00% APY. 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.
(6) A minimum deposit of $50.00 is required to open a Home Town Investment Checking account. $25 monthly service charge. 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 change after account is opened. Fees may reduce earnings.
(7) A minimum deposit of $50.00 is required to open a Home Town Premier Checking account, a Daily minimum collected balance of $500.00 is required to earn interest. Monthly average collected balance of $500.00 or reoccurring direct deposit of payroll, retirement, or social security income is required to avoid $5.00 monthly service fee. Rate may change after account is opened. Fees may reduce earnings.
(8) A minimum deposit of $50.00 is required to open a Home Town Free Checking account.
(9) A minimum deposit of $50.00 is required to open a Home Town Student Checking account.
(10) A minimum deposit of $15,000 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 Blended APY 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.
(11) 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.
Please note: We reserve the right to alter or withdraw this product or certain features thereof without prior notification. Rates listed are for the branches in the vicinity of the zip code entered.
