Home Equity Lines & Loans That Open Doors
Tap into your home’s value – for the projects, goals, and moments that matter most. Explore flexible borrowing options that can help you renovate, consolidate debt, or achieve your financial goals with confidence.
HOME EQUITY LINE OF CREDIT
Tap Into Your Home’s Value – On Your Schedule
A Home Equity Line of Credit (HELOC) is a flexible financing option designed for ongoing borrowing needs over time – such as completing home improvement projects in phases or covering recurring college tuition expenses.
- Access funds as needed.
- Variable rate based on prime – up to a 10-year draw period with a 15-year repayment term thereafter.
- No closing costs up to $100,000.*
- Simplify repayment with automatic deductions from your account.
Home Equity Loans
One Loan. Fixed Payments. Flexible Possibilities.
Know exactly what you’ll pay, every month. A BSNB home equity loan gives you a lump sum at a fixed rate – ideal when you have a defined project or expense and want the security of consistent payments.
- Fixed interest rate for the life of the loan – no surprises.
- Lump-sum disbursement at closing.
- Longer repayment terms than personal loans – lower monthly payments.
- Secured by your home’s equity.
- Local underwriting and personal service.
We Are Here to Help.
Have a question about accounts, loans, digital banking, or the right next step?
Our team is ready to help you get where you need to go.
Our Mortgage Loan Originators
Personal Loans
A personal loan gives you a fixed lump sum at a fixed rate, with set monthly payments over a defined term – best for a specific, one-time expense. A line of credit is revolving: you borrow what you need, repay it, and borrow again without reapplying – best for ongoing or unpredictable expenses. BSNB offers both options.
Yes. BSNB provides auto loan financing whether you’re buying from a dealership, a private seller, or a classified listing. Financing is available for new and used cars, trucks, and SUVs.
No. BSNB does not charge prepayment penalties on vehicle loans, so you can pay off your loan early without any additional fees.
You can apply online at bsnb.com or visit any of BSNB’s 12 branch locations in the Capital Region. Our local lending team reviews applications and can walk you through your options. Call 518-885-6782 to speak with a lender today.
BSNB has served individuals and families in Saratoga County and the Capital Region since 1838. As a locally owned, FDIC-insured community bank, we offer local underwriting, faster decisions, and a personal relationship with a Relationship Manager who reviews your full financial picture – not just a credit score.
Premier Checking
A straightforward checking account designed for how you bank today, Premier Checking gives easy access to your money with electronic banking and low or no monthly maintenance fee.
- Simple, everyday banking with no unnecessary complexity.
- Convenient digital access with online and mobile banking.
- Backed by local service and support when you need it.
- Free access to Allpoint nationwide ATM network.
Go Further With BSNB
Explore products and services that support you in every stage of life.
*If the home equity loan or home equity line of credit is closed for any reason within the first three years, your repayment amount will include reimbursement to BSNB for all the third-party fees and charges paid on your behalf at closing. Third-party fees generally total between $200 and $1500 but may vary.
NMLS Company ID – 414706
