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Loan Rates

Open-End Personal Line Rates

 

Star Access Line of Credit

Personal Overdraft Line of Credit

Annual Percentage Rate (APR)

10.000%* (APR may vary)

16.000%

Cash Advance Fees

$0 per transfer

$10 per transfer

Other Features

The minimum monthly payment is $10 or 2% of the outstanding balance, whichever is greater, plus all accrued interest, as of the statement date. Interest is billed on only the portion of the credit line you use, which is replenished as you pay off your outstanding principal balance.

The minimum transfer amount is $50. Monthly payments of principal and interest are deducted automatically from the protected checking account on the tenth day after the statement date. The minimum monthly payment is $10 or 2.77% of the outstanding balance, whichever is greater, plus all accrued interest, at statement date.

 

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*APR will increase by 0.50% if automatic payment from an NBT Bank checking or money market account is not selected.

NBT Bank loans are only available in Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.

           
Closed-end Personal Loan Rates

 

Personal Loan Secured

Personal Loan Unsecured

New Automobile Loan

Used Automobile Loan

Annual Percentage Rate (APR)*

6.500%

6.990%

4.14%

4.14%

 

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*Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 01/30/2017 and is subject to change.

Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000, minimum credit score is 740 (730 for automobile loans), and maximum term is 36 months (60 months for automobile loans). Call 800-628-2265 for the actual APR for your loan.

NBT Bank loans are only available in Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.

Payment Examples

  • Personal Loan Secured: On a $10,000 secured personal loan the payment would be $306.52 per month for 36 months with a 6.50% APR.
  • Personal Loan Unsecured: On a $7,500 loan, the payment would be $231.57 per month for 36 months with a 6.99% APR.
  • New Automobile Loan: On a $15,000 loan, the payment would be $443.75 per month for 36 months with a 4.14% APR.
  • Used Automobile Loan: On a $15,000 loan, the payment would be $443.75 per month for 36 months with a 4.14% APR.
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