Certificates of Deposit

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.


Minimum to Open $1,000
Minimum Term 7 Days
Maximum Term 60 Months
Interest Distribution Options You can choose to have your 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 A penalty may be imposed for early withdrawal.
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

Account Opening Options