NBT Bank Logo
NBT Bank - Please Upgrade Your Browser.

It appears that the version of Internet Explorer you are using to view this site is no longer supported by our enhanced website. At NBT Bank we value your security and strive to deliver the highest quality online experience. To ensure the best and most secure performance we recommend upgrading to the latest version of Internet Explorer, Mozilla Firefox or Google Chrome.

Please visit Microsoft.com, Google.com, or Mozilla.org to download the current version(s).

To directly access an account login page please use the links below:
NBT Online Banker | eStatements | Strataweb | NBT 401(k) Daily Services | NBT Remote Deposit

If you have any questions or need any assistance please contact Customer Service at 1-800-NBT-BANK.


Help Me Decide

When it comes to your financing needs, doing more for less counts to you, and at NBT Bank, that counts to us. Whether you are looking to start a home improvement project or simplify your finances by consolidating your bills, we’re here to help. We understand that it can be difficult to decide which loan option is best to fit your needs. That’s why we’ve created a visual for you to compare your options.

Compare the features of our Personal and Home Financing Loans in the chart below to help you choose the right loan. Learn more about college financing through Sallie Mae. We also offer Personal Credit Cards.

If you are looking to purchase or build your next home, NBT offers a variety of Mortgage Loan Options at competitive interest rates.

 

Personal Installment Loan

Star Access Line of Credit

Overdraft Line of Credit

Home Equity Line of Credit

Use For

Budget friendly installment loan for a Vehicle purchase, Home Improvements, Debt Consolidation, or any other personal, family or household purpose you may have.

Revolving source of funds for your ongoing needs such as Home Improvement, Unanticipated Expenses, a Vacation or any other Cash Management needs.

Protection from accidental checking account overdrafts

Revolving source of funds for your ongoing needs, such as Home Improvement, Bill Consolidation, Family Vacations, College Expenses, New Vehicles and more

Rates

Fixed

Variable

Fixed

Variable

Loan Minimum and Maximum

$2,500 minimum

$50,000 maximum

$4,000 minimum

$6,000 maximum

$500 minimum

$10,000 maximum

$10,000 minimum

$250,000 maximum

Payments

Monthly

Monthly

Monthly

Monthly

Secured or Unsecured

Secured and Unsecured options available

Unsecured

Unsecured

Secured

 

Learn More

Apply now

Learn More

Apply Now

Learn More

Apply Now

Learn More

Apply Now

Loan Process

chevron right image Learn More
Loan Rates

chevron right image Learn More
Loan Calculators

chevron right image Learn More


This link will take you from NBT Bank's website to a third-party location that is not controlled by NBT Bank. Please note that this new site may have a different policy on privacy, cookies, data collection and other user issues. NBT Bank does not monitor content on third-party websites and does not endorse and is not responsible for the content, guarantees, privacy policy, security, and products and services that are offered or expressed on them.

Are you sure you want to continue?

Yes No
X