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Certificates of Deposit

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Fixed-rate CD   Option CD   CDARS

Fixed-rate CD

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.

Features

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