Individual Retirement Accounts

  IRAs   Fixed IRAs 30 Month Variable Rate IRA CD

30 Month Variable Rate IRA CD

It’s easy to start your retirement savings or build it gradually with our tiered-rate IRA CD. This account features a term of 30 months and tiered interest rates that increase with your balance.

Effective January 1, 2015, the Internal Revenue Service has amended the rules governing annual rollovers from Individual Retirement Accounts. For more information visit the
IRS website.


Minimum to Open $25
Maximum to Open
Maximum per plan year is based in IRA guidelines. No ceiling on IRA rollovers or IRA transfers.
Balance Used to Pay Interest Paid on the following tiers:
$25 to $2,499.99
$2,500 to $24,999.99
$25,000 and over
Term 30 Months
Interest Distribution
Deposited to account monthly

Over 59 1/2 years of age permit transfer without penalty or receive check from plan level.
Early Withdrawl Penalty 6 months Interest
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 Additional deposits allowed. $25 minimum and one time annually.