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Personal Savings Options


With a wide range of savings solutions to choose from, we can help you develop a plan that meets your short and long-term goals.

Personal Statement Savings
With Personal Statement Savings, you receive our basic savings account. Interest is compounded daily and you can choose to receive quarterly statements or a portfolio statement that combines your checking and savings statement.

NBT Banker CardCosmic Kids Account
This account is designed for customers age 14 or younger to make saving fun. You receive a specially designed register to keep track of transactions when you sign up for a Cosmic Kids Account.

NBT Bank Option Account
An Option Account is a CD that helps you take advantage of better interest rates when they are on the rise. You can enjoy a variety of term options and the chance to increase the rate once or twice (depending on the term). Click here for our featured rates.

Certificate of Deposit (CD)
An NBT Bank CD offers you a choice of short and long-term saving options. Terms of seven days to 60 months give you the opportunity to take advantage of a fixed rate at a term that's right for your needs.

Personal Money Market Account
When you are looking for high growth potential with a check writing option, a Personal Money Market Account is for you. The Personal Money Market Account compounds and pays interest monthly.

Tiered Rate IRA CD
When you are looking for interest rates that increase as retirement funds grow, a Tiered Rate IRA CD is perfect. This account offers a term of 30 months with the option to add deposits of $25 or more. Tax on interest can be deferred when this account is part of a retirement plan.

IRA CD
With flexible terms from 18 to 60 months, an IRA CD offers a structured savings plan for retirement funds. Customers can enjoy a fixed rate for the life of the CD and tax on interest can be deferred when this account is part of a retirement plan.

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