Check out these Better specials to experience BSNB BETTER banking.


Business Success Loan

5.00% Interest Rate* for five-year term loan

Our Business Success Loan offers you the means and flexibility to meet the needs of your business.
  • Purchase equipment
  • Purchase inventory
  • Business expansion
  • Working capital
  • Purchase a business through acquisition
  • Refinance existing debt

*Promotional Interest Rate is for new loans of $25,000 to $500,000. Loan payments are automatically deducted from the borrower’s primary business checking account at BSNB. Other restrictions and conditions may apply. All loans are subject to application and approval. Additional rates and terms are available. This limited time offer may be withdrawn or changed at any time and without notice.

Business Diamond Money Market1

.50% APY* for balances up to $49,999.99

1.95% APY* for balances $50,000+

Personal Diamond Money Market2

.50% APY† for balances up to $49,999.99

1.95% APY† for balances $50,000+

1.A minimum deposit of $5,000 is required to open the account. Minimum balance to earn the stated APY is $0.01. Funds used to open the account cannot currently be on deposit with BSNB. If your average daily collected balance for the statement cycle falls below $5,000, you will be charged a $5.00 monthly maintenance fee. Fees may reduce earnings on this account. *Annual Percentage Yield (APY) is accurate as of current date. The current promotional APY’s are .50% for balances up to $49,999.99; 1.95% for balances $50,000 and up. The promotional interest rate is effective for 12 months after the account is opened. After the first 12 months, rates are variable and may change in accordance with the Diamond Money Market rates and tiers as outlined on our website. This Diamond Money Market promotional offer is available to business customers only. A BSNB business checking account is required. Offer may be withdrawn or changed at any time.

2.A minimum deposit of $5,000 is required to open the account. Minimum balance to earn the stated APY is $0.01. Funds used to open the account cannot currently be on deposit with BSNB. If your average daily collected balance for the statement cycle falls below $5,000, you will be charged a $5.00 monthly maintenance fee. Fees may reduce earnings on this account. † Annual Percentage Yield (APY) is accurate as of current date. The current promotional APY’s are .50% for balances up to $49,999.99, 1.95% for balances $50,000 and up. The promotional interest rate is effective for 12 months after the account is opened. After the first 12 months, rates are variable and may change in accordance with the Diamond Money Market rates and tiers as outlined on our website. This Diamond Money Market promotional offer is available to personal customers only. A BSNB personal checking account is required. Offer may be withdrawn or changed at any time.

BSNB 25 Month CD

2.50% APY* for 25 months

*Annual Percentage Yield (APY) is accurate as of 06/19/2018. 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 25 month CD term as outlined on our website. Offer may be withdrawn or changed at any time. Member FDIC.

BSNB 15 Month CD

1.85% APY** for 15 months

  • Add funds, OR
  • Increase rate

**Annual Percentage Yield (APY) is accurate as of 06/19/2018. A minimum deposit of $10,000 is required to open the account. A $10,000 minimum balance must be maintained to earn the advertised 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 15 month CD term as outlined on our website. This CD offer is available to personal customers only. A BSNB personal checking account is required. Offer may be withdrawn or changed at any time. You may exercise one of the following options during the term of the CD: (1) one time increase in interest rate, if interest rates rise for our 15 month term; and (2) one time deposit of additional money, in increments of $500.

BSNB 18 Month Variable CD

2.32% APY†† for 18 months

††The variable interest rate is tied to the 1-week average (preceding week) of the 3-Month US Treasury Bill interest rate plus a margin of 0.15%. The variable interest rate may re-price the first Tuesday on or after the following dates: 10/1, 1/1, 4/1, 7/1. Annual Percentage Yield (APY) is accurate as of 09/28/2018, but may change after the account is opened. 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. 1If a minimum balance of $10,000 is maintained, the minimum interest rate earned will never be lower than the initial interest rate at the time of account opening. The maximum interest rate earned will never be higher than the initial interest rate at the time of account opening plus a margin of 1.00%. Funds used to open the account cannot currently be on deposit with BSNB. At renewal, rates will revert to current non-promotional fixed rate 18 month CD as outlined on our website. The 3-Month US Treasury Bill interest rates are available here: https://fred.stlouisfed.org/series/WTB3MS. Offer may be withdrawn or changed at any time.

Home Equity

3.00% APR* for the first 12 months

5.25% APR** Prime +0% for the life of the loan

  • Consolidate your higher rate loans
  • Complete home improvements
  • Pay for college

*An introductory fixed 3.00% Annual Percentage Rate (APR), is current as of 06/15/17, and is in effect for the initial 12 months following closing. **The rate after the initial 12 months is variable, subject to change on a monthly basis and is based on the Wall Street Journal Prime Rate plus 0.00%. The Wall Street Journal Prime Rate as of 9/27/18 was 5.25%. The maximum loan rate for this offer is 14.50%. The minimum line amount is $10,000; maximum line amount is $250,000. Hazard insurance is required. BSNB will pay closing costs and mortgage tax on behalf of the borrower for loan amounts between $10,000 and $100,000. For home equity lines of credit exceeding $100,000, the borrower will be required to pay NYS mortgage tax associated with the loan. If your line is canceled within 3 years from the closing date, the amount of closing costs and mortgage tax that 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.

Get Started

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