Certificates of Deposit

  Fixed-rate CD Option CD   CDARS

Option CD

Our Option CD allows you to take advantage of rising interest rates. Open this account with as little as $1,000 and choose a term between 12 months and 36 months. If interest rates rise during the term of your CD, you'll have the option to increase the rate once.


Minimum to Open $1,000
Term Options
12  - 24 Months or 24 - 36 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 Withdrawl Penalty A penalty may be imposed for early withdrawal.
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
Additional Features One option to increase rate during term.

Account Opening Options