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From year-to-year or even month-to-month our savings goals may vary based upon what life presents us with. Rest assured that you can take advantage of savings plans that help you stay as nimble as you need to be.
Create a 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.
Include all of your accounts on one easy-to-read statement with Combined Statements
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 that works best for you. If interest rates rise during the term of your CD, you'll have the option to increase the rate once during the term for your account.
Include all of your accounts on one easy-to-read statement with Combined Statements
We know the security of FDIC insurance is important to you. That’s why NBT Bank offers CDARS® or the Certificate of Deposit Account Registry Service®. This service is the perfect solution for depositors with $250,000 or more in savings. It allows you to disperse your funds across multiple financial institutions to secure full FDIC insurance, up to $50 million, while you enjoy the preference and convenience of managing those funds through NBT Bank.
There will be no exceptions honored in regards to early withdrawal penalties, except in the case of death.
Death Early Withdrawal – next day for the individual that is the sole account holder of the CD. This penalty waiver applied to an individual who is named account holder as well as an individual who is the sole current and mandatory or discretionary income of trust, including the sole current beneficiary of a unitrust or annuity trust. A copy of the death certificate is required. Other documents may be required.
Include all of your accounts on one easy-to-read statement with Combined Statements
Earn interest while you manage your daily expenses.
Take a step toward completing your goal.
Send money with Zelle without ever leaving the couch.