Adirondack Bank is pleased to announce that we will be relocating our Little Falls branch from its current location at 500 E. Main Street to 699 E. Main Street. Renovations at the new site are currently underway and we are anticipating a December opening. Stay tuned for more information as renovations progress!

Certificate of Deposit Rates

Effective Date: 10/21/2025

Certificate of Deposit Rates

Term	Interest Rate	APY
3 Months to less than 6 Months	0.10%	0.10%
6 Months to less than 1 Year	2.85%	2.89%
1 Year to less than 18 Months	2.70%	2.73%
18 Months to less than 2 Years	0.20%	0.20%
2 Years to less than 3 Years	0.25%	0.25%
3 Years to less than 4 Years	0.40%	0.40%
4 Years to less than 5 Years	0.50%	0.50%
5 Years or more	0.50%	0.50%
13 Month Relationship CD*	0.15%	0.15%
13 Month Relationship Plus CD**	0.20%	0.20%
18 Month Relationship CD*	0.15%	0.15%
18 Month Relationship Plus CD**	0.20%	0.20%
30 Month Relationship CD*	0.35%	0.35%
30 Month Relationship Plus CD**	0.40%	0.40%
47 Month Relationship CD*	0.60%	0.60%
47 Month Relationship Plus CD**	0.65%	0.65%

Individual Retirement Accounts

Money Market IRA+	Minimum to Open	Mimimum to Obtain APY	Interest Rate	APY
Tier 1	$25	$0.00 - $24,999.99	0.10%	0.10%
Tier 2		$25,000 - $49,999.99	0.10%	0.10%
Tier 3		$50,000 +	0.10%	0.10%

Individual Retirement Accounts

IRAs	Minimum to Open	Mimimum to Obtain APY	Interest Rate	APY
IRA Certificate 6 Months	$1,000	$1,000	2.85%	2.89%
IRA Certificate 12 Months	$1,000	$1,000	2.70%	2.73%
IRA Certificate 24 Months	$1,000	$1,000	0.20%	0.20%
IRA Certificate 36 Months	$1,000	$1,000	0.40%	0.40%
IRA Certificate 48 Months	$1,000	$1,000	0.50%	0.50%
IRA Certificate 60 Months	$1,000	$1,000	0.50%	0.50%