Ballston Spa, New York (NY) Savings Rates - March 2026
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The savings 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.
The best savings rates for Ballston Spa, New York and the surrounding area include Sunmark Credit UnionSunmark Credit Union24 Trieble Ave, Ballston Spa, NY 12020 6009A5.0 ★Texas Ratio: 11.71% Savings Accounts at 3.00% APY, Stewarts Federal Credit UnionStewarts Federal Credit Union2911 State Route 9, Ballston Spa, NY 12020A+5.0 ★Texas Ratio: 3.64% Regular Savings at 1.75% APY, Adirondack Trust CompanyAdirondack Trust Company224 Church Ave, Ballston Spa, NY 12020A+5.0 ★Texas Ratio: 2.27% Health Savings Account at 1.00% APY, TrustCo BankTrustCo Bank2 Trieble Ave, Ballston Spa, NY 12020A+5.0 ★Texas Ratio: 3.16% Home Town Savings at 0.95% APY, and Ballston Spa National BankBallston Spa National Bank87 Front St, Ballston Spa, NY 12020A+5.0 ★Texas Ratio: 2.61% Statement Savings at 0.05% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Ballston Spa, New York, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Ballston Spa, New York (NY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Ballston Spa, New York and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Ballston Spa, New York & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
24 Trieble Ave, Ballston Spa, NY 12020 6009
Savings Accounts
3.00%
$1
▼
Rate2.96%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Stewarts Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2911 State Route 9, Ballston Spa, NY 12020
Regular Savings
1.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
24 Trieble Ave, Ballston Spa, NY 12020 6009
Savings Accounts
1.50%
$1
▼
Rate1.49%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
24 Trieble Ave, Ballston Spa, NY 12020 6009
Health Savings Account
1.50%
$1
▼
Rate1.49%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
224 Church Ave, Ballston Spa, NY 12020
Health Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2 Trieble Ave, Ballston Spa, NY 12020
Home Town Savings
0.95%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2 Trieble Ave, Ballston Spa, NY 12020
Home Town Savings
0.91%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2 Trieble Ave, Ballston Spa, NY 12020
Home Town Savings
0.80%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2 Trieble Ave, Ballston Spa, NY 12020
Home Town Savings
0.74%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
24 Trieble Ave, Ballston Spa, NY 12020 6009
Savings Accounts
0.45%
$1
▼
Rate0.45%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
24 Trieble Ave, Ballston Spa, NY 12020 6009
Regular IRA Share Savings
0.45%
$1
▼
Rate0.45%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2 Trieble Ave, Ballston Spa, NY 12020
Home Town Savings
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2 Trieble Ave, Ballston Spa, NY 12020
Home Town Savings
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
24 Trieble Ave, Ballston Spa, NY 12020 6009
Youth Savings
0.20%
$1
▼
Rate0.20%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
24 Trieble Ave, Ballston Spa, NY 12020 6009
Savings Accounts
0.20%
$1
▼
Rate0.20%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
24 Trieble Ave, Ballston Spa, NY 12020 6009
Regular IRA Share Savings
0.20%
$1
▼
Rate0.20%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2 Trieble Ave, Ballston Spa, NY 12020
Home Town Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
24 Trieble Ave, Ballston Spa, NY 12020 6009
Special Event Savings Plan
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
24 Trieble Ave, Ballston Spa, NY 12020 6009
Savings Accounts
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
24 Trieble Ave, Ballston Spa, NY 12020 6009
Regular IRA Share Savings
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
24 Trieble Ave, Ballston Spa, NY 12020 6009
Commercial Savings Plan
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
24 Trieble Ave, Ballston Spa, NY 12020 6009
Holiday Savings Plan
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2 Trieble Ave, Ballston Spa, NY 12020
Home Town Savings
0.07%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2 Trieble Ave, Ballston Spa, NY 12020
Home Town Savings
0.06%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
24 Trieble Ave, Ballston Spa, NY 12020 6009
Membership Savings Plan
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
224 Church Ave, Ballston Spa, NY 12020
Golden Passbook Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
$100 daily balance to avoid $1 per quarter fee
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
24 Trieble Ave, Ballston Spa, NY 12020 6009
Savings Accounts
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
24 Trieble Ave, Ballston Spa, NY 12020 6009
Silver Savings Plan
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
87 Front St, Ballston Spa, NY 12020
Statement Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
224 Church Ave, Ballston Spa, NY 12020
Student Statement Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
(age 23 or under)
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
224 Church Ave, Ballston Spa, NY 12020
Statement Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
$50 daily balance to avoid $1 monthly fee
Ballston Spa National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
87 Front St, Ballston Spa, NY 12020
Youth Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Consumers Only
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
Teen Savings
10.00%
$0
▼
Rate9.57%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Qualifying balance up to $6000
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
341 Englewood Ave, Buffalo, NY 14223 2819
Youth Savings Account
6.17%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $10,000.00
Suffolk Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3681 Horseblock Rd, Medford, NY 11763 2242
Youth Savings
6.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Earn a great rate, plus get $25 when balance reaches $1,000.
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1490 Franklin Ave, Mineola, NY 11501 4801
Youth/Teen/Milestone Savings
5.09%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $1,000.00
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Accelerate It Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $5,000.00
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Savings for Teens
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000.00
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
NEXT eSavings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $1,000.00
Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
535 Broadhollow Rd Ste A4, Melville, NY 11747
Smarts Starts Early Youth Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
UP TO AGE 21
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2520 Browncroft Blvd, Rochester, NY 14625
Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2520 Browncroft Blvd, Rochester, NY 14625
Companion Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $10,000
Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.70%
45 Atlantic Ave, Oceanside, NY 11572 2035
Youth & Young Adult Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $1,000.00
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
120 Motor Pkwy, Hauppauge, NY 11788 5152
High Five Youth Savings Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $500.00
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
497 Electronics Pkwy, Liverpool, NY 13088 6062
Jump Start Savings
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $1,000.00
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
591 E Main St, Bay Shore, NY 11706 8505
Student Savings
5.00%
$0
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Balances $0.00 - $1,000.00
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Savings for Young Adults
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Savings & Banking
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Savings for Youth
5.00%
$1
▼
Rate4.88%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Apple Bank SmartStart Savings pays 12x the national average2 on balances from $1.01 to $10,000.
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
425 Main St, Catskill, NY 12414
e-BUSINESS SAVINGS
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $500.00
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
425 Main St, Catskill, NY 12414
e-SAVINGS
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $500.00
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
425 Main St, Catskill, NY 12414
Student e-Next Generation Savings
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $100.00
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
425 Main St, Catskill, NY 12414
e-BUSINESS SAVINGS
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $500.00
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
425 Main St, Catskill, NY 12414
e-SAVINGS
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $500.00
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
425 Main St, Catskill, NY 12414
Student e-Next Generation Savings
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $100.00
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Apple Bank SmartStart Savings Account
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000.00
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Banking & Savings
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Open a fee-free bank account and a high-yield savings account for teens 13-17.; Earn 5.00% APY1 on savings balances from $1.01 to $10,000
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Savings
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY 10007 1823
FREEDOM DIRECT SAVINGS
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Direct Deposit to a new or existing Justice Federal Checking Account.
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
High Dividend Share Draft
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $25,000.00
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MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Ballston Spa, NY Savings Rate Trends
Compare local Ballston Spa, NY savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — NY Avg
1.260%
▼ 1.252 from last week
New York high-yield savings rates fell 1.252 points this week to 1.260% APY, down from 2.512% last week.
Standard Savings — NY Avg
0.807%
▼ 0.362 from last week
New York standard savings rates fell 0.362 points this week to 0.807% APY, down from 1.170% last week.
As of Mar 28, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Ballston Spa, New York directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Ballston Spa, New York. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in NY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Ballston Spa, New York
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in New York, help your money grow faster through a higher APY.
Are savings accounts in Ballston Spa, New York safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in New York up to $250,000 per depositor, per institution.
How often do savings rates change in Ballston Spa, New York?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local New York rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Ballston Spa, New York may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Ballston Spa, New York?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Ballston Spa, New York offer in-person customer service, which some customers prefer.
How do I open a savings account in Ballston Spa, New York?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Ballston Spa, New York
Here are recent savings rates observed in Ballston Spa, New York and the surrounding area:
- Sunmark Credit Union
Savings Accounts — 3.00% APY - Stewarts Federal Credit Union
Regular Savings — 1.75% APY - Adirondack Trust Company
Health Savings Account — 1.00% APY - TrustCo Bank
Home Town Savings — 0.95% APY - Ballston Spa National Bank
Statement Savings — 0.05% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Ballston Spa, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
