Check out these Better specials to experience BSNB BETTER banking.


Business Success Loan

3.95% 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 This limited time offer may be withdrawn or changed at any time and without notice.

Please contact your local branch for our current rates.

BSNB 16 Month CD

.35% APY** for 16 months

**Annual Percentage Yield (APY) is accurate as of 02/24/2021. A minimum deposit of $5,000 is required to open the account. A $5,000 minimum balance must be maintained to earn APY. You will not earn interest if the balance falls below $5,000. Funds used to open the account cannot currently be on deposit with BSNB. At renewal, rates will revert to current non-promotional 16 month CD term as outlined on our website. Offer may be withdrawn or changed at any time. Member FDIC.

BSNB 9 Month CD

.25% APY** for 9 months

**Annual Percentage Yield (APY) is accurate as of 02/24/2021. 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 Offer may be withdrawn or changed at any time.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.

Home Equity

Lock-in a low fixed rate loan for home renovations, debt consolidation and more!

Make your home’s equity work for you.

For a limited time, BSNB has three special offers* available:


3.50% APR1

Fixed Rate Loan

5-20 Year Term

First Lien Position


3.99% APR2

Fixed Rate Loan

5-20 Year Term

Second Lien Position


4.25% APR3

Fixed Rate Line of Credit

5 year Draw Period

10 Year Repay Period


*Annual Percentage Rates (APRs) are current as of 1/4/21, subject to change without notice and based on a minimum loan of $10,000 with a maximum Loan-to-Value ratio [LTV] of 85%. The maximum loan amount is $250,000. 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 loans exceeding $100,000, the borrower will be required to pay NYS mortgage tax associated with the loan. If your loan 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. Homeowners insurance is required. This offer is subject to change or withdrawal without notice. All loans are subject to credit application and approval. Certain restrictions may apply. 1 Monthly payment per $1,000 borrowed on a 5 year term at 3.50% APR will be $18.19. Monthly payment per $1,000 borrowed for a 20 year Term at 3.50% APR is $5.80. Other terms between 5 and 20 years are available. Your actual payment amount may be higher if flood insurance is required. 2 Monthly payment per $1,000 borrowed for a 5 year term at 3.99% APR will be $18.41. Monthly payment per $1,000 borrowed for a 20 year term at 3.99% APR will be $6.05. Other terms between 5 and 20 years are available. Your actual payment amount may be higher if flood insurance is required. 3 Annual Percentage Rate (APR) is current as of 01/4/21 and is fixed for the life of the loan. You may activate the line of credit and make interest-only payments for the first 60 months. Any balance at the end of 60 months will be amortized over the remaining 10 year term of the line at the original fixed rate.

Get Started

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