Bank · FDIC insured
BSNB, Coxsackie Bank Division Savings Rates
BSNB, Coxsackie Bank Division’s best savings rate is 0.05% APY on $10,000, with its Personal Statement Savings. Rates checked October 16, 2026.
How BSNB, Coxsackie Bank Division’s savings rates compare
Compared with banks and credit unions near Albany, NY, where BSNB, Coxsackie Bank Division has the most branches. $10,000, best rate first.
This bank’s best
BSNB, Coxsackie Bank Division
0.05%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $5
Personal Statement Savings
Top rate
NextStep Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $20
- Earns on $10,000 a year
- $400
2nd-highest rate
Pioneer
3.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $350
BSNB, Coxsackie Bank Division savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0002.00%
- QualifiedQualified0.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where BSNB, Coxsackie Bank Division ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Personal Smart Yield Money Market Accounts
0.20%APY
Minimum of $50,000.00 of funds not currently on deposit with BSNB is required to open the account, then no minimum balance and no monthly service fees. APY is variable. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 0.20% | $20 |
| $50,000 – $100,000 | 2.00% | — |
| $100,000 – $250,000 | 2.50% | — |
| $250,000 and up | 3.00% | — |
Sources (1)
- nbcoxsackie.com/personal-smartyield-accounts.php · captured Sep 17, 2026
Personal Statement Savings
0.05%APY
Minimum of $25.00 deposit to open. A service charge of $4.00 will be imposed every statement period if the average daily balance falls below $250.00. APY is variable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceService charge of $4.00 imposed every statement period if average daily balance falls below $250.00. APY is variable.Any balance | 0.05% | $5 | Service charge of $4.00 imposed every statement period if average daily balance falls below $250.00. APY is variable. |
Sources (1)
- nbcoxsackie.com/savings.php · captured Oct 16, 2026
Special-purpose accounts
Automatic Club
0.65%APY
Holiday Club with automatic withdrawal from savings or checking account on a weekly or monthly basis. Make weekly deposits for 50 consecutive weeks. Minimum deposit of $2 to open; weekly required deposit amounts equal the opening balance denomination chosen. Accounts open between October and December and mature at the end of September. Account balance and interest paid upon maturity. APY is variable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAutomatic weekly or monthly transfers from checking/savings. Weekly deposits for 50 consecutive weeks. Opened Oct-Dec, matures end of September. APY is variable.Any balance | 0.65% | $65 | Automatic weekly or monthly transfers from checking/savings. Weekly deposits for 50 consecutive weeks. Opened Oct-Dec, matures end of September. APY is variable. |
Sources (1)
- nbcoxsackie.com/holiday-clubs.php · captured Oct 16, 2026
E-Club
0.65%APY
Holiday Club where you make weekly deposits for 50 consecutive weeks. Minimum deposit of $2 to open; weekly required deposit amounts equal the opening balance denomination chosen. Accounts open between October and December and mature at the end of September. Account balance and interest paid upon maturity. APY is variable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceWeekly deposits for 50 consecutive weeks. Opened Oct-Dec, matures end of September. APY is variable.Any balance | 0.65% | $65 | Weekly deposits for 50 consecutive weeks. Opened Oct-Dec, matures end of September. APY is variable. |
Sources (1)
- nbcoxsackie.com/holiday-clubs.php · captured Oct 16, 2026
IRA Savings
0.50%APY
Available as Traditional IRA Savings or Roth IRA Savings. No minimum balance required and no monthly service fees. APY is variable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional and Roth IRA options. No minimum balance required and no monthly service fees. APY is variable.Any balance | 0.50% | $50 | Traditional and Roth IRA options. No minimum balance required and no monthly service fees. APY is variable. |
Sources (1)
- nbcoxsackie.com/savings.php · captured Oct 16, 2026
Smart Start Savings
0.05%APY
For ages 15 to 17. Account must be joint with a parent or legal guardian. E-statements are required to maintain this account. Minimum $25 deposit to open, then no minimum balance required and no monthly service fees. APY is variable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor ages 15 to 17. Must be joint with a parent or legal guardian. E-statements required. APY is variable.Any balance | 0.05% | $5 | For ages 15 to 17. Must be joint with a parent or legal guardian. E-statements required. APY is variable. |
Sources (1)
- nbcoxsackie.com/young-adult.php · captured Oct 16, 2026
Student Savings Accounts
0.05%APY
For children under age 15. Account must be joint with a parent or legal guardian and opened as a Uniform Transfer to Minor Account (UTMA). Minor child has no authority to make withdrawals. Minimum $2 deposit to open, then no minimum balance required and no monthly service fees. APY is variable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor children under age 15. UTMA structure joint with parent or legal guardian. APY is variable.Any balance | 0.05% | $5 | For children under age 15. UTMA structure joint with parent or legal guardian. APY is variable. |
Sources (1)
- nbcoxsackie.com/young-adult.php · captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.