Check out these Better specials to experience BSNB BETTER banking.

Business Success Loan

3.95% Interest Rate* for five-year term loan

Our Business Success Loan offers you the means and flexibility to meet the needs of your business.
  • Purchase equipment
  • Purchase inventory
  • Business expansion
  • Working capital
  • Purchase a business through acquisition
  • Refinance existing debt

*Promotional Interest Rate is for new loans of $25,000 to $500,000. Loan payments are automatically deducted from the borrower’s primary business checking account at BSNB. Other restrictions and conditions may apply. All loans are subject to application and approval. Additional rates and terms are available. This limited time offer may be withdrawn or changed at any time and without notice.

Please contact your local branch for our current rates.

BSNB 16 Month CD

.45% APY** for 16 months

**Annual Percentage Yield (APY) is accurate as of 03/17/2020. A minimum deposit of $5,000 is required to open the account. A $5,000 minimum balance must be maintained to earn APY. You will not earn interest if the balance falls below $5,000. Funds used to open the account cannot currently be on deposit with BSNB. At renewal, rates will revert to current non-promotional 16 month CD term as outlined on our website. Offer may be withdrawn or changed at any time. Member FDIC.

Home Equity

3.00% APR* for the first 12 months

3.25% APR** Prime +0% for the life of the loan

  • Consolidate your higher rate loans
  • Complete home improvements
  • Pay for college

*An introductory fixed 3.00% Annual Percentage Rate (APR), is current as of 05/27/20 and is in effect for the initial 12 months following closing. **The rate after the initial 12 months is variable, subject to change on a monthly basis and is based on the Wall Street Journal Prime Rate plus 0.00%. The Wall Street Journal Prime Rate as of 05/27/20 was 3.25%. The maximum loan rate for this offer is 14.50%. The minimum line amount is $10,000; maximum line amount is $250,000. Hazard insurance is required. BSNB will pay closing costs and mortgage tax on behalf of the borrower for loan amounts between $10,000 and $100,000. For home equity lines of credit exceeding $100,000, the borrower will be required to pay NYS mortgage tax associated with the loan. If your line is canceled within 3 years from the closing date, the amount of closing costs and mortgage tax that we pay at closing will be added to your payoff  amount. These third-party fees generally total between $500.00 and $2,500.00, but may vary. This offer is subject to change or withdrawal without notice. All loans are subject to credit application and approval. Certain restrictions may apply.

Get Started

For more information, please call Customer Service at (518) 885-6781 or send us a Secure Email.