# Ballston Spa National Bank CD rates

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%).

Canonical page: https://apyledger.com/cd-rates/ballston-spa-national-bank
Institution: Ballston Spa National Bank (FDIC 6959)
Aliases: 
Status: live
Last verified: 2026-10-23T03:18:55.000Z (October 22, 2026)
Official source: https://bsnb.com/rates/cd-ira.php
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6 Month CD/IRA | promotional | 6 months | $10,000 | 3.60% | Not ZIP-priced | −0.80% | 2026-10-23T03:18:55.000Z | [Snapshot 938](https://apyledger.com/snapshots/938) |
| 9 Month CD/IRA | promotional | 9 months | $500 | 4.00% | Not ZIP-priced | −0.48% | 2026-10-23T03:18:55.000Z | [Snapshot 938](https://apyledger.com/snapshots/938) |
| 15 Month CD/IRA | promotional | 15 months | $500 | 3.20% | Not ZIP-priced | −1.45% | 2026-10-23T03:18:55.000Z | [Snapshot 938](https://apyledger.com/snapshots/938) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.