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 September 2026

Q: How many branches does NBT Bank operate?

NBT Bank currently maintains approximately 175 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: September 18, 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 as low as 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 3.51%. Rates last updated and verified on 09/18/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.51%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

NBT Bank, National Association

52 S Broad St
Norwich, NY 13815

https://www.nbtbank.com

NBT Bank Savings Rates

Product	Rate	APY
Health Savings Account	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 + Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Health Savings Account	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 < $50,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Health Savings Account	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500 < $25,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Health Savings Account	0.10%	0.10%
Min Balance $0 Details Balance: $0.01 < $2,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
eSavings Account	0.03%	0.03%
Min Balance $100 Details Balance: $100 < $2,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
eSavings Account	0.03%	0.03%
Min Balance $2,500 Details Balance: $2,500 < $10,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
eSavings Account	0.03%	0.03%
Min Balance $10,000 Details Balance: $10,000 + Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
iStrive Savings Account	0.03%	0.03%
Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
iStrive Savings Account	0.03%	0.03%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
iStrive Savings Account	0.03%	0.03%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Statement Savings Account	0.03%	0.03%
Min Balance $25 Details Balance: $25 + Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

NBT Bank Money Market Rates

Product	Rate	APY
Accelerate Money Market	2.75%	2.78%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Accelerate Money Market	2.25%	2.27%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Accelerate Money Market	1.75%	1.76%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Accelerate Money Market	1.45%	1.46%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Accelerate Money Market	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

NBT Bank Checking Rates

Product	Rate	APY
Classic Interest Checking	0.01%	0.01%
Min Balance $100 Details Balance: $100 - $2,499.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Classic Interest Checking	0.01%	0.01%
Min Balance $2,500 Details Balance: $2,500+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

NBT Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	4.99%	9 months
Details Introductory rate; Variable rate after introductory discount period: 6.75% APR; As low as Prime - 0.250%; The variable rate above reflects a discount of 0.50% for automatic payment from an NBT Bank Checking or Money Market Account and would increase if this condition is not met. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Home Equity Line of Credit	-	-	6.75%
Details Variable rate after introductory discount period; As low as Prime - 0.250%; The variable rate above reflects a discount of 0.50% for automatic payment from an NBT Bank Checking or Money Market Account and would increase if this condition is not met. The Prime Rate is the highest Prime Rate published in the Wall Street Journal. As of September 18, 2026 the Prime Rate is 7.00%. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

NBT Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New Automobile Loan	-	-	7.77%	48 months
Details 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 09/18/2026 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 $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Used Automobile Loan	-	-	7.77%	48 months
Details 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 09/18/2026 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 $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

NBT Bank Personal Loan Rates

Product	APR	Term	View More
Personal Loan Unsecured	9.04%	36 months
Details 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 09/18/2026 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 730, and maximum term is 36 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $7,500 loan, the payment would be $238.64 per month for 36 months with a 9.04% APR. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

NBT Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Star Access Line of Credit	-	-	11.75%
Details 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 APR for the Star Access Line of Credit is variable and is based on the borrower's credit score and the Prime Rate as published in the Wall Street Journal. The rate shown assumes a borrower FICO score of 770 or higher with payments automatically deducted from an NBT checking or money market account (as low as Prime +4.75%). Add 0.50% to the rate if the automatic payment feature is not selected. The rate will not exceed 16.00%. The Prime Rate is the highest Prime Rate published in the Wall Street Journal. As of September 18, 2026 the Prime Rate is 7.00%. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. Rates shown are current as of 09/18/2026 and are subject to change. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

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.

Financial Health History

NBT Bank’s Texas Ratio rose from 1.76% in Q3 2023 to 3.51% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$16.1B	3.51%	5.0	A+
March 31, 2026	$16.1B	3.31%	5.0	A+
December 31, 2025	$15.9B	2.82%	5.0	A+
September 30, 2025	$16.0B	2.96%	5.0	A+
June 30, 2025	$15.9B	2.63%	5.0	A+
March 31, 2025	$13.8B	3.16%	5.0	A+
December 31, 2024	$13.7B	3.48%	5.0	A+
September 30, 2024	$13.7B	2.50%	5.0	A+
June 30, 2024	$13.4B	2.64%	5.0	A+
March 31, 2024	$13.3B	2.63%	5.0	A+
December 31, 2023	$13.2B	2.64%	5.0	A+
September 30, 2023	$13.7B	1.76%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 18560303

FDIC Insurance Date 19340101

Domestic Offices 175

Total Branches 175

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.51%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2082%

Return on Equity (ROE) 10.4500%

Non-Performing Loans (NPL) 0.41%

Total Assets $16,091,731,000

Total Deposits $13,677,927,000

Equity Capital $1,858,627,000

Net Income $96,782,000

Headquarters Norwich

Total Branches and Offices 175

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

NBT Bank earned the Verified Healthy badge

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Frequently Asked Questions About NBT Bank

How many branches does NBT Bank operate?

NBT Bank currently maintains approximately 175 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.