FDIC-Insured – Backed by the full faith and credit of the U.S. Government
Online Banking
Home Loans
We offer several loan options! Get a quote from one of our loan officers or apply online today.
Savings Accounts
Personal Savings
Our personal savings account lets you take advantage of one of the best savings options around. Whether it’s an emergency fund or a long-term savings goal, keeping your money safe and sound in a savings account makes sense.
Whether you’re looking to open your child or grandchild’s first bank account, you’re new to the community or you’re simply ready to move your money from a different financial institution to NBT, a savings account with us is as easy as 1, 2, 3. Our accounts come with:
All NBT accounts offer:
Online Banking
Mobile Banking
eStatements
Bill Payment
Much More!
CDs
Our Certificates of Deposit and are structured to help you save more today for a more comfortable tomorrow. These tools deliver steady growth for short and long terms. If you need accounts that work in your best interests without constant monitoring, CDs may be a great fit for your life and finances.
When opening a Certificate of Deposit, you can choose from a variety of terms at competitive rates. Contact us today to learn more.
IRAs
An Individual Retirement Account, or IRA*, is an account that allows you to set aside money for retirement while getting a tax benefit. The two main types of IRAs are traditional IRAs and Roth IRAs. Each type has a different set of tax advantages**, rules, and limits that may make them the right choice for your situation. We offer:
Traditional IRAs from one to five years.
Roth IRAs
Competitive interest rates
No annual administration fee
Automatic renewal
Substantial penalty for early withdrawal. IRAs are subject to additional IRS requirements.
*Consult a tax professional to understand how these accounts may impact your individual tax situation.
OUR PILLARS: Innovation
Trust
Value
Personalization