|Fixed-rate CD||Option CD||CDARS|
Create the short- or long-term investment that fits your needs with our Fixed-rate CD account. Open an account with as little as $1,000 and choose from terms of seven days to 60 months.
|Minimum to Open||$1,000|
|Minimum Term||7 Days|
|Maximum Term||60 Months|
|Interest Distribution Options||You can choose to have your monthly interest added to the balance of your CD, deposited to an NBT Bank checking or savings account or mailed to you by check.|
|Renew Option||Automatic Renewal|
|Early Withdrawal Penalty||For terms one year or less, the penalty for early withdrawal will be three months interest. |
For terms over one year, the penalty will be six months interest.
|Minimum Balance to Earn Interest||$1,000|
|Customer Service||1-800-NBT-BANK (1-800-628-2265) |
E-mail NBT Bank
|Statement Options ||Summary of CD information can be included on a monthly portfolio statement|