A certificate of deposit (CD) with BSNB can provide you with a competitive fixed interest rate for a specific period of time. You choose the term that fits your needs and benefit from the security of a locked-in rate for the time period you select. Do you have funds for college that you won’t need to access until the future? Maybe you received an inheritance and want to lock in a rate while enjoying FDIC protection on your account. A CD may be the right savings option for you.

What is a CD?

A CD is a time deposit account where you deposit a fixed amount of money for a specific term and receive a predetermined fixed interest rate.  You have the option of cashing out at the end of the term or rolling over the CD for another term.

  • BSNB offers a variety of CD terms ranging from 7 days to 60 months, including our popular 6-month and 1-year terms.
  • Earn our highest yields when you join the Premier Plan. This relationship package gives you great yields and a whole lot more. 
  • For deposits greater than the FDIC maximum, BSNB provides access to FDIC protection through our membership in the Certificate of Deposit Registry Service (CDARS). 

Which account is best for me?

While savings accounts and money markets are typically best for shorter-term savings goals and for situations where you may need immediate access, a certificate of deposit can be the best option for earning a higher rate of return that’s locked in for a time period when you won’t need to access your funds.

Get Started

For more information on how to open a CD, please call Customer Service at (518) 885-6781, visit any BSNB location, or send us a Secure Email.


What will I need to open an account? Review our convenient checklist.  

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