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Individual Retirement Accounts

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  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.

Features

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.