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    4. IRAs

    Investment Retirement Accounts (IRAS)

    Many of us have plenty of ideas of what we want to do when we retire, but haven’t given as much thought as to how we are going to get there. As retirement approaches in the distant or not so distant future, Investment Retirement Accounts (IRAs) allow you to create a structured plan to help you start your retirement savings and build upon it over time.

    It’s easy to start your retirement savings or build it gradually with our 30 Month Fixed IRA CD. This account features a term of 30 months and allows for additional deposits during the term.

    Account Details

    • $25 minimum to open
    • Maximum per plan year is based on IRA Guidelines. No ceiling on IRA rollovers or IRA transfers.
    • 30 Month Term
    • Earn interest that is deposited to your account monthly
    • Additional deposits allowed; $25 minimum deposit
    • Early withdrawal penalties may apply

      Statement Options

      • Account summary available for inclusion on:

      Start building your savings for retirement by designating funds for your future with a Fixed IRA.

      Account Details

      • $1,000 minimum to open
      • Maximum per plan year is based on IRA Guidelines. No ceiling on IRA rollovers or IRA transfers.
      • 12 month – 60 month terms
      • Earn interest that is deposited to your account monthly
      • Automatic renewal
      • Early withdrawal penalties may apply

        Statement Options

        • Account summary available for inclusion on:

        Invest in your retirement with an Investment Retirement Account.

        Account Details

        • $25 minimum to open
        • Maximum per plan year is based on IRA Guidelines
        • No ceiling on IRA rollovers
        • Earn interest that is deposited to your account monthly
        • Additional deposits allowed; minimum of $25 per deposit

        Statement Options

        • Summary available for inclusion on:
        Money Market Accounts

        Increase the growth potential of your savings.

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        Star Privilege Premium Plan

        Make the most of your NBT Bank banking relationship.

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        Financial Planning

        Work toward securing your financial future.

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