TrustCo Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Juno Beach Branch	14051 Us Highway 1, Juno Beach, FL 33408	View Lobby Hours
Longwood Branch	1400 West State Rd 434, Longwood, FL 32750	View Lobby Hours
Altamont Avenue Branch	1400 Altamont Avenue, Schenectady, NY 12303	View Lobby Hours
Sheridan Plaza Branch	1350 Gerling Street, Schenectady, NY 12308	View Lobby Hours
Wynantskill Branch	134-136 Main Street, Wynantskill, NY 12198	View Lobby Hours
Leesburg Branch	1330 Citizens Blvd Suite 101, Leesburg, FL 34748	View Lobby Hours
South Glens Falls Branch	133 Saratoga Road, South Glens Falls, NY 12803	View Lobby Hours
Pelham Branch	132 Fifth Ave, Pelham, NY 10803	View Lobby Hours
Greenwich Branch	131 Main Street, Greenwich, NY 12834	View Lobby Hours
Osprey Branch	1300 S Tamiami Trial, Osprey, FL 34229	View Lobby Hours
Tuskawilla Rd Branch	1295 Tuskawilla Rd Ste 10, Winter Springs, FL 32708	View Lobby Hours
East Colonial Dr Branch	12901 E Colonial Dr, Orlando, FL 32826	View Lobby Hours
Scotia Office	123 Mohawk Avenue, Scotia, NY 12302	View Lobby Hours
North Clermont Branch	12305 Us Rt 27, Clermont, FL 34711	View Lobby Hours
Kingston Branch	1220 Ulster Avenue, Kingston, NY 12401	View Lobby Hours
Rhinehart Rd Branch	1185 Rhinehart Rd, Sanford, FL 32771	View Lobby Hours
Queensbury Branch	118 Quaker Road, Suite 9, Queensbury, NY 12804	View Lobby Hours
Route 7 Branch	1156 Troy-Schenectady Road, Latham, NY 12110	View Lobby Hours
Apopka Branch	1134 N. Rock Springs Road, Apopka, FL 32712	View Lobby Hours
State Street Albany Branch	112 State Street, Albany, NY 12207	View Lobby Hours
Madison Avenue Branch	1084 Madison Avenue, Albany, NY 12208	View Lobby Hours
Brandywine Branch	1048 State Street, Schenectady, NY 12307	View Lobby Hours
Lee Road Branch	1084 Lee Road Suite 11, Orlando, FL 32810	View Lobby Hours
Cobleskill Branch	104 Merchant Pl, Cobleskill, NY 12043	View Lobby Hours
Beeline Center Branch	10249 South John Young Parkway, Suite 101, Orlando, FL 32837	View Lobby Hours
Clifton Park Branch	1018 Route 146, Clifton Park, NY 12065	View Lobby Hours
Lake Square Branch	10105 Route 441, Leesburg, FL 34788	View Lobby Hours
Elmsford Branch	100 Clearbrook Road, Elmsford, NY 10523	View Lobby Hours
Trustco Bank	1 Sarnowski Drive, Glenville, NY 12302	View Lobby Hours
Latham-Cohoes Branch	1 Johnson Road, Latham, NY 12110	View Lobby Hours
Pittsfield Branch	1 Dan Fox Dr, Pittsfield, MA 1201	View Lobby Hours
Stuart Branch	951 Se Federal Hwy, Stuart, FL 34994	View Lobby Hours
Bay Hill Branch	6084 Apopka Vineland Road, Orlando, FL 32819	View Lobby Hours
Metro West Branch	2619 S. Hiawassee Road, Orlando, FL 32835	View Lobby Hours
Lake Nona Branch	9360 Narcoossee Road, Orlando, FL 32827	View Lobby Hours

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Reviews on TrustCo Bank

Mark Fitzpatrick | Apr 4, 2016

I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was with a bigger bank and once they took the business card stand away i pulled my account. Thank you trustco and your employees.

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 292473	5.872%	5.750% 0.75 points $4,277 fees	$1,868	Learn More
NMLS ID: 757416	5.961%	5.875% 0.88 points $2,970 fees	$1,893	Learn More
NMLS ID: 2059741	5.992%	5.875% 0.63 points $4,051 fees	$1,893	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Quicken Loans See Table	0.000 %	$0	Learn More More Info
Ready to access funds? Homeowners’ best kept secret for cash. Access equity on YOUR terms. It costs $0 to see how much you could get with a lender Homeowners best kept secret for cash No second mortgage needed Keep the low rate you already have It costs $0 to check your options with lenders
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Splash Financial See Table	Intro APR 7.250 % After Intro: 7.250 % Intro Period: 8 months	$25,000	Learn More More Info
This rate is variable and will fluctuate with the Prime Rate as published in the Wall Street Journal. Variable Annual Percentage Rate (APR) for first and second lien position home equity lines of credit will vary with the Prime Rate as published in the Wall Street Journal. As of 11/4/2025, the variable rate for new home equity lines of credit is Prime – 0.25% to Prime + 2.50% (6.75% APR to 9.50% APR). Your rate will not exceed 18.000% APR. Making minimum interest-only payments will not pay down your principal. An annual fee of $100 will apply every year after the first year from the date of funding. Not all applicants are eligible for the maximum line of credit amount or the maximum combined loan to value (LTV). The property type, applicant creditworthiness, verified income, and third party property valuation all may affect eligibility. Maximum LTV ratios of 90%, 80% or 70% apply depending on creditworthiness and property eligibility. Offer available for owner-occupied, 1-4 unit residential properties only. For HELOC amounts at and above $100,000, Splash requires an initial draw of at least $75,000. For line amounts less than $100,000, you must draw at least 75% initially. Additional draw amounts are subject to lender minimums. To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Borrow up to $500,000 Apply 100% online in minutes with a user-friendly platform Check your rate without affecting your credit ** Tap into home equity today

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