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Health Savings Account CDs

Envisioning future health needs can be a difficult and unwelcomed task. As you think about and prepare for you future, a Health Savings Account Certificate of Deposit is one way to earn a higher interest rate on HSA funds when you do not anticipate upcoming medical expenses or need immediate access to the funds.

Account Details

$1000 minimum to open
12 month minimum term
60 month maximum term
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.
Early withdrawal penalties may apply.

Features and Benefits

CD renews automatically
Summary of CD information can be included on a monthly portfolio paper statement or eStatement
One additional deposit allowed annually