Personal Banking
Checking | Savings | Convenient Services | Personal and Home Equity Loans | Residential Mortgages
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Personal Loans

At NBT Bank, we want to make banking flexible and convenient for you. That's why we designed our personal loan products with you in mind. We can tailor our personal loans to meet your borrowing needs.

NBT Bank's personal loans can be used to purchase the car of your dreams, get that new camper or boat this summer or take a trip to Tahiti.

We offer flexible repayment terms, fast answers, competitive rates and a rate discount when your payment is automatically deducted from your NBT Bank checking or savings account.

NBT Bank's Chek-Gard offers you overdraft protection for your checking account so you don't have to worry about the embarrassment of returned checks. Give yourself an instant loan simply by writing a check.

Home Equity Loans

If you are looking to consolidate your bills, pay your child's college tuition, put on a deck or take a vacation, a Home Equity Loan can help.

In addition to offering competitive rates, NBT allows you to borrow up to 90% of the equity in your primary residence or 70% of the equity in a second home.

When you select the line of credit option you can borrow up to 85% of the equity in your primary residence or 70% of the equity in your second home.

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