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 Ballston Spa National Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 6, 2026
Ballston Spa National Bank's 9-Month CD/IRA rates are at 4.00%, 6-Month CD/IRA rates are at 3.60%, 15-Month CD/IRA rates are at 3.20%. Ballston Spa National Bank's savings rates are at 0.50%. Ballston Spa National Bank's money market rates are at 3.35%. Ballston Spa National Bank's checking rates are as high as 2.00%. Ballston Spa National Bank's Personal Loan Rates are as low as 6.99%. Ballston Spa National Bank's top CD rate of 4.00% APY on a 9 month CD is 37% higher than the MonitorBankRates national average of 2.92% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Ballston Spa National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.90%. Rates last updated and verified on 11/06/2026. 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. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Ballston Spa National Bank CD Rates
Ballston Spa National Bank Savings Rates
Ballston Spa National Bank Money Market Rates
Ballston Spa National Bank Checking Rates
Ballston Spa National Bank Auto Loan Rates
Ballston Spa National Bank RV, Boat and Powersport Loan Rates
Ballston Spa National Bank Personal Loan Rates
Ballston Spa National Bank Other Rates
Financial Health HistoryBallston Spa National Bank’s Texas Ratio fell from 2.61% in Q3 2023 to 1.90% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.9 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Ballston Spa National Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Ballston Spa National Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Ballston Spa National Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Ballston Spa National Bank
Website
https://www.bsnb.com/
Address
87 Front St,
Ballston Spa, NY 12020 · Saratoga
Bank Holding Company
BALLSTON SPA BCORP INC
FDIC Certificate #
6959
Regulator
OCC
Established
January 1, 1838
FDIC Insurance Date
January 1, 1934
Domestic Offices
21
Total Branches
21
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.90%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.0891%
Return on Equity (ROE)
0.9400%
Non-Performing Loans Ratio (NPL)
0.18%
Total Assets
$1,369,479,000
Total Deposits
$1,203,419,000
Equity Capital
$131,393,000
Net Income
$481,000
Headquarters
Ballston Spa
Total Branches and Offices
21
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for Ballston Spa National Bank
Frequently Asked Questions About Ballston Spa National BankDoes Ballston Spa National Bank offer CDs?Yes. Ballston Spa National Bank current CD rates include its 9-Month CD/IRA at 4.00% APY, its 6-Month CD/IRA at 3.60% APY and its 15-Month CD/IRA at 3.20% APY, verified by MonitorBankRates as of November 6, 2026. Are CDs from Ballston Spa National Bank FDIC insured?Yes. Ballston Spa National Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Ballston Spa National Bank?The highest Ballston Spa National Bank CD rate is its 9-Month CD/IRA at 4.00% APY, verified by MonitorBankRates as of November 6, 2026. What CD terms does Ballston Spa National Bank offer?Ballston Spa National Bank CD rates are 3.60% APY for a 6 month CD, 4.00% APY for a 9 month CD and 3.20% APY for a 15 month CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Ballston Spa National Bank for its full lineup. What is the highest savings rate at Ballston Spa National Bank?The highest Ballston Spa National Bank savings rate is its IRA Savings at 0.50% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest money market rate at Ballston Spa National Bank?The highest Ballston Spa National Bank money market rate is its Platinum Money Market at 3.35% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest checking rate at Ballston Spa National Bank?The highest Ballston Spa National Bank checking rate is its Freedom Checking at 2.00% APY, verified by MonitorBankRates as of November 6, 2026. What is the lowest auto loan rate at Ballston Spa National Bank?The lowest Ballston Spa National Bank auto loan rate is its Auto Loan - Model Year 2026/2025/2024 at 4.99% APR, verified by MonitorBankRates as of November 6, 2026. What is the lowest personal loan rate at Ballston Spa National Bank?The lowest Ballston Spa National Bank personal loan rate is its Personal Loans - Fixed Rate at 6.99% APR, verified by MonitorBankRates as of November 6, 2026. How many branches does Ballston Spa National Bank operate?Ballston Spa National Bank currently maintains approximately 21 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Ballston Spa National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Ballston Spa National Bank provides members with tools to manage their accounts and build a solid financial history. Does Ballston Spa National Bank offer online and mobile banking?Most modern institutions like Ballston Spa National Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bsnb.com/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Ballston Spa National Bank rates compare?Ballston Spa National Bank's top CD rate of 4.00% APY on a 9 month CD is 37% higher than the MonitorBankRates national average of 2.92% APY for that term, and it has an A+ health rating. Ballston Spa National Bank's top rates are its 9-Month CD/IRA at 4.00% APY, its IRA Savings at 0.50% APY, its Platinum Money Market at 3.35% APY, its Freedom Checking at 2.00% APY and its Personal Loans - Fixed Rate at 6.99% APR, verified by MonitorBankRates on November 6, 2026. Current Ballston Spa National Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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