What are the current interest rates at NBT Bank?

Current rates for NBT Bank include: Savings: 0.03%, MMA: 1.00%

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NBT Bank Rates & Review August 2026

Q: How many branches does NBT Bank operate?

NBT Bank currently maintains approximately 177 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, NBT Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, NBT Bank provides members with tools to manage their accounts and build a solid financial history.

Q: Does NBT Bank offer online and mobile banking?

Most modern institutions like NBT Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nbtbank.com.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

NBT Bank's savings rates are at 0.03%. NBT Bank's money market rates are at 1.00%. NBT Bank's Personal Loan Rates are at 9.04%. MonitorBankRates evaluates the financial stability of NBT Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.76%. Rates last updated and verified on 08/28/2026.

NBT Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at NBT Bank? Share your experience about NBT Bank by leaving a review below, or read customer reviews before you decide to use NBT Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.76%

Excellent Lower than avg

NBT Bank, National Association

52 S Broad St
Norwich, NY 13815

https://www.nbtbank.com

NBT Bank Savings Rates

Product	Rate	APY
Health Savings Accounts	0.30%	0.30%
Min Balance $50,000 Details Tier 4 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Health Savings Accounts	0.25%	0.25%
Min Balance $25,000 Details Tier 3 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Health Savings Accounts	0.15%	0.15%
Min Balance $2,500 Details Tier 2 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Health Savings Accounts	0.10%	0.10%
Min Balance $0 Details Tier 1 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
eSavings Account	0.03%	0.03%
Min Balance $100 Details Tier 1 - Average daily balance $100 < $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
iStrive Savings Account	0.03%	0.03%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Statement Savings Account	0.03%	0.03%
Min Balance $25 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%

NBT Bank Money Market Rates

Product	Rate	APY
Accelerate Money Market	2.75%	2.78%
Min Balance $500,000 Details Tier 5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Accelerate Money Market	2.25%	2.27%
Min Balance $250,000 Details Tier 4 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Accelerate Money Market	1.75%	1.76%
Min Balance $100,000 Details Tier 3 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Accelerate Money Market	1.45%	1.46%
Min Balance $50,000 Details Tier 2 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Accelerate Money Market	1.00%	1.00%
Min Balance $25,000 Details Tier 1 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%

NBT Bank Checking Rates

Product	Rate	APY	View More
Classic Interest Checking	0.01%	0.01%
Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%

NBT Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New Automobile Loan	-	-	7.77%	48 months
Details 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 $5,000, minimum credit score is 730, and maximum term is 48 months. 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 07/20/2026 and is subject to change. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Used Automobile Loan	-	-	7.77%	48 months
Details 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 $5,000, minimum credit score is 730, and maximum term is 48 months. 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 07/20/2026 and is subject to change. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%

NBT Bank Personal Loan Rates

Product	Rate	APR	View More
Personal Loan Unsecured	-	9.04%
Details 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 730, and maximum term is 36 months. 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 07/20/2026 and is subject to change. On a $7,500 loan, the payment would be $238.64 per month for 36 months with a 9.04% APR. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for NBT Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather NBT Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with NBT Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name NBT Bank

Bank Holding Company NBT BCORP INC

Address 52 S Broad St, Norwich, NY 13815 · Chenango

Website https://www.nbtbank.com

FDIC Certificate # 7230

Established 03/03/1856

FDIC Insurance Date 01/01/1934

Domestic Offices 177

Total Branches 177

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.76%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9379%

Return on Equity (ROE) 9.1200%

Non-Performing Loans (NPL) 0.15%

Total Assets $15,879,824,000

Total Deposits $13,632,370,000

Equity Capital $1,848,419,000

Net Income $160,243,000

Headquarters Norwich

Total Branches and Offices 177

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About NBT Bank

How many branches does NBT Bank operate?

NBT Bank currently maintains approximately 177 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, NBT Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, NBT Bank provides members with tools to manage their accounts and build a solid financial history.

Does NBT Bank offer online and mobile banking?

Most modern institutions like NBT Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nbtbank.com.