Ballston Spa National Bank: CDs & Rates
Mission: Banksparency aims to make Ballston Spa National Bank's deposit accounts transparent and comparable to the market.
Analysis of Ballston Spa National Bank
Our verdict
CD Analysis
Ballston Spa National Bank offers CDs paying up to 3.60% APY on its 6 months term, with terms ranging from 15 months to 6 months.
Tracking 3 active CD products, useful for locking in today's rate before further moves at the Fed.
- Best CD use: locking in 3.60% APY for a 6 months term and laddering across multiple maturities.
Savings Overview
Bank Overview
- HQ LocationBallston Spa, NY
- Ratings & Trust
- Deposit InsuranceFDIC Insured(Cert: 6959)
CD Overview
CD Products Offered by Ballston Spa National Bank
| Feature | 6 Month CD/IRA 6 months | 9 Month CD/IRA 9 months | 15 Month CD/IRA 15 months |
|---|---|---|---|
APY | 3.60%Verified: 8/19/2026 | 3.50%Verified: 8/19/2026 | 3.20%Verified: 8/19/2026 |
Term | 6 months | 9 months | 15 months |
Min. Deposit | $10,000 | $500 | $500 |
Early Withdrawal | N/A | N/A | N/A |
FDIC Insured | Yes | Yes | Yes |
Ballston Spa National Bank CD Rates Over Time
Alternatives to Ballston Spa National Bank
Banks with Higher/Similar Savings APY
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Tiered Savings: 3.00% APY
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Bank5 Connect
Money Market Account: 4.00% APY
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Jumbo Savings: 3.65% APY
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Capital One
Business Savings Account: 3.50% APY
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First Commerce Bank
Rate Climber Money Market: 0.15% APY
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