PERSONAL BUSINESS WEALTH PERSONAL PRODUCTS & SERVICES CUSTOMER SUPPORT ABOUT US LOGIN Personal Products and Services Personal Savings Accounts CDs CDS From year-to-year or even month-to-month our savings goals may vary based upon what life presents us with. Rest assured that you can take advantage of savings plans that help you stay as nimble as you need to be. Fixed Rate CDs Option CD CDARS Create a short- or long-term investment that fits your needs with our Fixed-rate CD account. Open an account with as little as $1,000 and choose from terms of seven days to 60 months. Account Details 7 days - 60 Month Terms Available. $1,000 minimum to open. $1,000 minimum to earn interest. You may choose to have your interest added to the balance of your CD, deposited to an NBT Bank checking or savings account or mailed to you by check. Automatic term renewal. A penalty may be imposed for early withdrawal. Statement Options eStatements Mailed Statements Include all of your accounts on one easy-to-read statement with Combined Statements Classic Interest Checking Earn interest while you manage your daily expenses. Personal Loan Options Take a step toward completing your goal. Zelle® Send money with Zelle without ever leaving the couch. FOLLOW US About Us Locations Careers Investors Accessibility Privacy Security Site Map Member FDIC Equal Housing Lender NMLS ID 500501 Routing #: 021303618 Investment and Insurance Products: • Are Not Deposits • Are Not FDIC Insured • Are Not Insured by Any Federal Government Agency • Are Not Guaranteed by the Bank • May Lose Value Copyright NBT Bank, N.A.