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Certificates of Deposit and
Individual Retirement Accounts

Certificates of Deposit

Looking to secure a competitive fixed interest rate for a specific period of time? Open a CD!

  • 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). 


CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.

Individual Retirement Accounts

A traditional IRA with BSNB can provide you with financial comfort during your retirement years.

  • BSNB offers IRA Certificates of Deposit, Roth IRAs and Coverdell Education Accounts.
  • Your money earns our highest yields when you join the Premier Plan.
  • Traditional IRAs are FDIC insured.  For planning and additional investment solutions, please speak with a BSNB Financial Services representative

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BSNB HSA Enroll or Login

For more information, please call Customer Service at (518) 885-6781.  To open an account, visit any BSNB location.

Mailing Address:
Ballston Spa National Bank
PO Box 70
Ballston Spa, NY 12020

Ballston Spa Office
87 Front Street
Ballston Spa, NY 12020
(518) 363-8150
Burnt Hills Office
770 Saratoga Road
Burnt Hills, NY 12027
(518) 399-8144

Clifton Park Office
256 Ushers Road
Clifton Park, NY 12065
(518) 877-6667

Corporate Branch Office
990 State Route 67
Ballston Spa, NY 12020
(518) 363-8199

Galway Office
5091 Sacandaga Road
Galway, NY 12074
(518) 882-1225
Greenfield Center Office
3060 Route 9N
Greenfield Center, NY 12833
(518) 893-2265
Latham Office
1207 Troy Schenectady Road
Latham, NY 12110
(518) 640-2800
Malta Office
124 Dunning Street
Ballston Spa, NY 12020
(518) 899-2912

Milton Crest Office
344 Rowland Street
Ballston Spa, NY 12020
(518) 885-4346

Stillwater Office
428 Hudson Avenue
Mechanicville, NY 12118
(518) 664-3200
Wilton Office
625 Maple Avenue
Saratoga Springs, NY 12866
(518) 583-6608