Welcome to Trustco Your Home Town Bank

Welcome to Trustco Your Home Town Bank

Trustco Bank Celebrating 120 Years of Serving Your Banking Needs!

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

Split the Difference* of your Mortgage Rate at Trustco Bank!

Are you looking to get a new home and do not want to lose your low mortgage rate? Well, if your first mortgage is at Trustco Bank, we will split the difference between the rate on your existing home and the current market rate.

4.00
%
APY

30 Day Intro Rate

Trustco Bank Investment Checking Account

Earn a competitive interest rate with the flexibility of a checking account.

5.00
%
APY

6 Month CD

Trustco Bank Certificate of Deposits

Rates are going up. Stay Short!

4.00
%
APY

5 Month Intro Rate

Trustco Bank Money Market Account

In an uncertain rate environment, it is important to have a bank you can trust.

7.500
%
Rate
7.563
%
APR

30 Year Fixed Rate

Trustco Bank First Mortgage

Backed With Over 100 Years of Honest Lending Experience.

Looking to purchase or Build a New House?

Trusted Lending Source for your Family, Friends, and Neighbors!

Trustco Bank is Hiring!
Join the team that's committed to creating a banking experience that feels like coming home.

Did Your Bank Merge & Push You Out?
Come home to Trustco, Your Home Town Bank.

Current Interest Rates
Find current rates in your location.

4.00 % APY

30 Day Intro Rate

Current Interest Rates

4.50 % APY

6 Month CD

Online Rates

4.00 % APY

5 Month Intro Rate

Current Interest Rates

 6.625 % Rate
6.685 % APR

30 Year Fixed Rate

Find Your Interest Rates

Looking to purchase or Build a New House?
Trustco Bank is Hiring!
Did Your Bank Merge & Push You Out?
Current Interest Rates

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.

It’s easy to see why so many people choose Trustco Bank. For all their checking and savings needs. Our customers have free access to over 55,000 ATMs. Trustco’s online banking make it easy to keep track of your finances. And we still go by the book with our passbook savings account. The best keeps getting better. Choose Trustco Bank. Here for you for over 120 years. Come home to Trustco, your Home Town Bank.

Come Home to Trustco - Your Home Town Bank!

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

  • Elevated to 2nd place in The Capital Region in deposit holdings by the Albany Business Review.

  • Carly Batista received the prestigious honor named a 40 Under 40 recipient by the Albany Business Review.

  • Recognized by Newsweek as the Best Small Bank in New York State.

Financial Guidance For Everyone, at Any Stage

Do You Need A Mortgage?

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

Great Introductory Rate!

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

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.

Join the Trustco Bank Veteran Active Duty Run for Freedom 5K!

Trustco Customers and Communities

Habitat-for-Humanity
Habitat for Humanity
July 12, 2023

Trustco Bank was proud to volunteer with Habitat for Humanity of Schenectady County helping to build a house on Cramer Ave in Schenectady, NY!

Trustco-Bank-at-the-NY-Regional-Foodbank
Trustco Bank at the Regional Food Bank
July 10, 2023

Trustco Bank was proud to volunteer to help sort and pack food for those in need at the Regional Food Bank of Northeastern New York!

Trustco Bank Home Town Heroes
July 6, 2023

The Trustco Bank Hall of Fame was designed to recognize "Real People Doing Real Things." These Home Town Heroes are recognized because of their hard work to make a positive change in their community. In our 10th induction, we proudly honored Dr. James Reed, retired President & CEO of St. Peter's Health Partners and St. Joseph's Health along with Rocco Defazio, award-winning author and owner of Defazio's Pizza in Troy, NY.

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