Ballston Spa National Bank CD Rates — October 2026
As of October 22, 2026, Ballston Spa National Bank's highest tracked CD rate is 4.00% APY on a 9-month promotional CD ($500 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%).
Tracking began .
Ballston Spa National Bank CD rates
CD specials of 6 months ($10,000 minimum), 9 and 15 months ($500 minimum). Promotional CDs renew into standard terms. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | 6 Month CD/IRA Promotional | $10,000 | 3.60% | −0.80% | Top 40% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | 9 Month CD/IRA Promotional | $500 | 4.00% | −0.48% | Top 25% of tracked 9-month CDs · Verified October 22, 2026 |
| 15 months | 15 Month CD/IRA Promotional | $500 | 3.20% | −1.45% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Ballston Spa National Bank's best CD rates by term?
Ballston Spa National Bank's best rate is 4.00% APY on 9 months, verified October 22, 2026.
- 6 mo3.60%
- 9 mo4.00%
- 15 mo3.20%
How much interest could a Ballston Spa National Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$298.80 interest · $10,298.80 at maturity on $10,000.00.
4.00% APY · 9 months · 9 Month CD/IRA · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | Not estimated | $178.903.60% APY · 6 Month CD/IRA · Promotional | $447.253.60% APY · 6 Month CD/IRA · Promotional | $894.513.60% APY · 6 Month CD/IRA · Promotional |
| 9 months | $149.404.00% APY · 9 Month CD/IRA · Promotional | $298.804.00% APY · 9 Month CD/IRA · Promotional | $747.004.00% APY · 9 Month CD/IRA · Promotional | $1,494.014.00% APY · 9 Month CD/IRA · Promotional |
| 15 months | $200.683.20% APY · 15 Month CD/IRA · Promotional | $401.363.20% APY · 15 Month CD/IRA · Promotional | $1,003.413.20% APY · 15 Month CD/IRA · Promotional | $2,006.813.20% APY · 15 Month CD/IRA · Promotional |
How Ballston Spa National Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 274-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 29 of 167 tracked institutions with fresh 274-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Ballston Spa National Bank (this institution)9 Month CD/IRA · Promotional | 9 months | $500 | Branches in NY | 4.00% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)9-Month Special Certificate · Relationship | 9 months | $100,000 | Membership required · branches in 9 states | 5.35% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 9 months | $1,500 | Available nationwide | 4.40% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 9 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| Treasury (APY-equivalent) | 9 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.48% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Ballston Spa National Bank on October 22, 2026.
About Ballston Spa National Bank
- Legal name
- Ballston Spa National Bank
- Regulator ID
- FDIC 6959
- Headquarters
- Ballston Spa, NY
- Available in
- NY
- Total assets
- $1.4 billion
- Also known as
- Website
- bsnb.com
Source: rates read from https://bsnb.com/rates/cd-ira.php. See the page text we read.
Frequently asked questions
What is the highest CD rate at Ballston Spa National Bank?
Among the rates we track, 4.00% APY on a 9-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Ballston Spa National Bank CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $10,000.
How does Ballston Spa National Bank's best CD rate compare with Treasury yields?
4.00% APY is −0.48% versus the 9-month Treasury yield of 4.48% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Ballston Spa National Bank CDs insured?
Ballston Spa National Bank is an FDIC-insured bank (FDIC 6959). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Ballston Spa National Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Ballston Spa National Bank's website and may change at any time. Confirm terms, minimums and eligibility with Ballston Spa National Bank before opening an account. This page is not financial advice.