Ballston Spa National Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews
Today's 12-month CD rates can be found at 0.20%, 6-month CD rates at 0.75% and 3-month CD rates at 2.75%. Current savings rates are at 0.05% and money market rates are at 0.10%. Mortgage rates today on 30-year fixed loans are around 6.59%. Credit Card rates are at 17.75%. Personal Loan rates are at 11.99%. All these rates, and more, can be found in our database of rates. Ballston Spa National Bank's 60-Month CD rates are at 0.60%, 48-Month CD rates are at 0.60%, 36-Month CD rates are at 0.55%, 24-Month CD rates are at 0.45%, 30-Month CD rates are at 0.45%. Ballston Spa National Bank's savings rates are at 0.05%. Ballston Spa National Bank's money market rates are at 0.60%.
To see how these rates compare to Ballston Spa National Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Ballston Spa National Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Ballston Spa National Bank CD rates. You can also compare Ballston Spa National Bank savings rates, MMA rates and mortgage rates using our other rate lists. Ballston Spa National Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Ballston Spa National Bank? Share your experience about Ballston Spa National Bank by leaving a review below, or read customer reviews before you decide to use Ballston Spa National Bank. Ballston Spa National Bank Texas Ratio Ballston Spa National Bank's Texas Ratio is at 2.69%, which is considered excellent. The Texas Ratio for Ballston Spa National Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. Overall, Ballston Spa National Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars. Rate
APY/APR
vs Avg
Ballston Spa National Bank CD Rates and Interest Rates
Ballston Spa National Bank
48-Month CD
0.60%
$500
Ballston Spa National Bank
60-Month CD
0.60%
$500
Ballston Spa National Bank
Diamond Money Market
0.60%
$50,000
Ballston Spa National Bank
36-Month CD
0.55%
$500
Ballston Spa National Bank
24-Month CD
0.45%
$500
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Compare Ballston Spa National Bank Rates with Other Competitive Bank and Credit Union Rates
mph.bank, a division of Liberty Savings Bank
Money Market
4.06%
$1
Citizens Savings Bank Spillville, IA
12-Month CD
4.05%
$1,000
FSB of Aliceville, Kansas
12-Month CD
4.04%
$0
First Arkansas Bank and Trust
3-Month CD
4.01%
$500
Twin River Bank
18-Month CD
3.96%
$500
Show More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rates May 14, 2025Show More
The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed. Ballston Spa National Bank InformationBallston Spa National Bank
87 Front StBallston Spa, NY 12020 Saratoga Established Date: 01/01/1838 FDIC Certificate #: 6959 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: BALLSTON SPA BCORP INC How Many Domestic U.S. Offices? 13 How Many Branches are There? 13 Website: https://www.bsnb.com/
Is Ballston Spa National Bank FDIC Insured? Yes
What is Ballston Spa National Bank's Cert number? 6959
What is the maximum amount for insured deposits? $250,000 per holder, per account
Ballston Spa National Bank FinancialsTotal Assets:
$848,935,000
Total Deposits:
$732,754,000
Equity Capital:
$66,438,000
Domestic Deposits:
$732,754,000
Net Income:
$1,199,000
Return on Assets:
0.6822%
Quarterly Return on Assets:
0.5700%
Pretax Return on Assets:
0.7132%
Pretax Quarterly Return on Assets:
0.7100%
Return on Equity:
8.6600%
Quarterly Return on Equity:
7.2500%
Common Equity Tier 1 Capital Ratio:
10.5223%
Tier 1 Risk-Based Capital Ratio:
10.5223%
Leverage Tier 1 (Core Capital) Ratio:
7.9725%
Total Risk-Based Capital Ratio (YTD):
11.7729%
Total Interest Income (YTD):
4.2603%
Headquarters:
Ballston Spa
FDIC Field Office:
Syracuse
Regulator:
OCC
County:
Saratoga
# of Offices:
13
Metropolitan Statistical Area (MSA):
Albany-Schenectady-Troy, NY
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC Last Updated 03/31/2024
Explore Other Rate Deals Current mortgage rates are lower as 10-year U.S. Treasury yields slip below 3.40 percent. Both conforming mortgage rates and jumbo mortgage rates are lower. Current 30-year mortgage rates are at 5.11 percent, down from 5.23 percent set earlier this week. 15-year mortgage rates are down to 4.57 percent, down from 4.75 percent on Monday.
Third Federal Savings and Loan Savings Jumbo rates are now at 0.20 percent with a yield of 0.20 percent. View current Savings Jumbo rates at Third Federal Savings and Loan below.
 Comenity Direct savings rates have gone down, but the bank's savings rates are still very competitive when compared with other online rates available. Savings rates at Comenity Direct are currently at 1.88 percent with an APY of 1.90 percent. That savings rate from Comenity Direct places the bank 5th on our rate table. The current national average savings rate is at 0.88 percent, less than half of the rate from Comenity Direct. You can easily compare current online savings rates available with Comenity Direct savings rates. If you do want to open an account with Comenity Direct, you can do so here:
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