Check out these Better specials to experience BSNB BETTER banking.


Home Improvement Loans

Fixed Rate – Unsecured
Perfect for repairs and remodeling

  • New windows or roof
  • Kitchen or bath remodel
  • Decks and pools
Loan Amount Term APR* Payment
$25,000 or less 12 months 4.99% 12 monthly payments of $85.60 per $1000 borrowed
$25,000 or less 24 months 5.99% 24 monthly payments of $44.32 per $1000 borrowed
$25,000 or less 36 months 6.99% 36 monthly payments of $30.87 per $1000 borrowed
$25,000 or less 48 months 7.99% 48 monthly payments of $24.41 per $1000 borrowed
$25,000 or less 60 months 8.99% 60 monthly payments of $20.75 per $1000 borrowed
$25,001 to $35,000 72 months 9.24% 72 monthly payments of $18.14 per $1000 borrowed
$25,001 to $35,000 84 months 9.74% 84 monthly payments of $16.47 per $1000 borrowed

*Your loan terms, including Annual Percentage Rate (APR) and payment amount, may differ based on your credit profile. Must be a homeowner to apply and use loan proceeds for qualified expenses. All loan applications are subject to underwriting and/or credit approval. This limited time offer may be withdrawn or changed at any time.

 

Small Business Loan

3.25% Interest Rate* for five-year term loan

  • Purchase inventory
  • Business expansion
  • Working capital
  • Purchase a business through acquisition
  • Refinance existing debt

New Equipment Loan

3.00% Interest Rate* for five-year term loan

*Promotional rate is for new money loans of $25,000 to $500,000. Loan payments are automatically deducted from the borrower’s primary business checking account at BSNB. **Promotional rate is for new money loans of $25,000 to $500,000. Available only for the purchase of equipment. Loan payments are automatically deducted from the borrower’s primary business checking account at BSNB. These limited-time offers may be withdrawn or changed at any time and without notice. Other restrictions and conditions may apply. All loans are subject to credit application and approval. Additional rates and terms are available.

Money Market Specials

Please contact your local branch for our current rates.

BSNB 9 Month CD

.25% APY** for 9 months

**Annual Percentage Yield (APY) is accurate as of 03/12/2021. A minimum deposit of $10,000 is required to open the account. A $10,000 minimum balance must be maintained to earn APY. You will not earn interest if the balance falls below $10,000. Funds used to open the account cannot currently be on deposit with BSNB. At renewal, rates will revert to current non-promotional 9 month CD term as outlined on our website. Offer may be withdrawn or changed at any time. Member FDIC.

Fixed Rate Home Equity Line*

Take advantage of our low fixed rates to make home improvements, consolidate debt or cover unexpected expenses

3.25% APR

5 year draw 5 year payback

3.50% APR

5 year draw 10 year payback

3.75% APR

5 year draw 15 year payback

*The minimum line amount is $10,000; maximum line amount is $250,000. Hazard insurance is required. The borrower will be required to pay NYS mortgage tax associated with the loan. BSNB will pay all other closing costs on behalf of the borrower. If your line is canceled within 3 years from the closing date, the amount of closing costs we pay at closing will be added to your payoff amount. These third-party fees generally total between $500.00 and $2,500.00, but may vary. This offer is subject to change or withdrawal without notice. All loans are subject to credit application and approval. Certain restrictions may apply. Member FDIC Institution NMLS #414706

Get Started

For more information, please call Customer Service at (518) 885-6781 or send us a Secure Email.