NBT Financial Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 3.30%, 6-month CD rates at 3.00% and 3-month CD rates at 0.90%. Current savings rates are at 0.17% and money market rates are at 0.85%. Mortgage rates today on 30-year fixed loans are around 6.89%. Credit Card rates are at 11.90%. Personal Loan rates are at 11.90%. All these rates, and more, can be found in our database of rates. NBT Financial Bank's 12-Month CD (Jumbo) rates are at 3.55%, 12-Month CD rates are at 3.03%, 60-Month CD (Jumbo) rates are at 3.03%, 24-Month CD (Jumbo) rates are at 3.03%, 24-Month CD rates are at 3.03%. NBT Financial Bank's savings rates are at 2.07%. NBT Financial Bank's money market rates are at 0.25%.

NBT Financial Bank

To see how these rates compare to NBT Financial Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from NBT Financial Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with NBT Financial Bank CD rates. You can also compare NBT Financial Bank savings rates, MMA rates and mortgage rates using our other rate lists.

NBT Financial 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 Financial Bank? Share your experience about NBT Financial Bank by leaving a review below, or read customer reviews before you decide to use NBT Financial Bank.

NBT Financial Bank Texas Ratio

NBT Financial Bank's Texas Ratio is at 0.48%, which is considered excellent. The Texas Ratio for NBT Financial Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, NBT Financial Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
3.03%
18-Month CD
N/A
24-Month CD
3.03%
36-Month CD
2.52%
48-Month CD
2.52%
60-Month CD
2.78%
Savings
2.07%
MMA
0.25%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
NBT Financial Bank
2535 Ne 28th St
Fort Worth, TX 76106
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

NBT Financial Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
NBT Financial Bank
NBT Financial Bank
12-Month CD (Jumbo)
3.55%
$250,000
NBT Financial Bank
NBT Financial Bank
60-Month CD (Jumbo)
3.03%
$250,000
NBT Financial Bank
NBT Financial Bank
24-Month CD (Jumbo)
3.03%
$250,000
NBT Financial Bank
NBT Financial Bank
24-Month CD
3.03%
$1,000
NBT Financial Bank
NBT Financial Bank
12-Month CD
3.03%
$1,000
NBT Financial Bank
NBT Financial Bank
48-Month CD (Jumbo)
2.78%
$250,000
NBT Financial Bank
NBT Financial Bank
36-Month CD (Jumbo)
2.78%
$250,000
NBT Financial Bank
NBT Financial Bank
60-Month CD
2.78%
$1,000
NBT Financial Bank
NBT Financial Bank
48-Month CD
2.52%
$1,000
NBT Financial Bank
NBT Financial Bank
36-Month CD
2.52%
$1,000
NBT Financial Bank
NBT Financial Bank
Personal Savings
2.07%
$200
NBT Financial Bank
NBT Financial Bank
Money Market
0.25%
$2,500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare NBT Financial Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Communitywide Federal Credit Union
Communitywide Federal Credit Union
CW HiRate Savings - Monthly
4.00%
$1
Needham Bank
Needham Bank
12-Month CD
3.92%
$1,000
Atkins Savings B&T
Atkins Savings B&T
24-Month CD (Adjust-A-Rate)
3.89%
$1,000
FNB of Raymond
FNB of Raymond
12-Month CD
3.82%
$1,000
Torrington Savings Bank
Torrington Savings Bank
24-Month CD
3.75%
$1,000
Franklin SB Farmington, ME
Franklin SB Farmington, ME
18-Month CD
3.50%
$500
Portage Community Bank
Portage Community Bank
18-Month CD
3.50%
$1,000
Access Community Credit Union
Access Community Credit Union
Rewards Checking
3.25%
$500
Kanza Bank
Kanza Bank
Prosper Money Market
3.00%
$25,000
Seamens Bank
Seamens Bank
24-Month CD
3.00%
$1,000
Charles River Bank
Charles River Bank
24-Month CD
3.00%
$1,000
Transpecos Banks
Transpecos Banks
36-Month CD
2.85%
$1,000
705 Federal Credit Union
705 Federal Credit Union
24-Month CD
2.78%
$1,000
Bristol Morgan Bank
Bristol Morgan Bank
48-Month CD
2.50%
$500
State Bank of Cherry
36-Month CD
2.42%
$1,000
Ixonia Bank
Ixonia Bank
24-Month CD
2.35%
$1,000
PSB of Rhineland
PSB of Rhineland
60-Month CD
2.02%
$1,000
New Millennium Bank
New Millennium Bank
60-Month CD
2.00%
$500
Exchange State Bank Ames, IA
Exchange State Bank Ames, IA
24-Month CD
2.00%
$1,000
Capon Valley Bank
Capon Valley Bank
36-Month CD
1.97%
$500
Park Bank
Park Bank
24-Month CD
1.81%
$2,500
Bank of Clovis
Bank of Clovis
Money Market
1.76%
$2,500
WSB Municipal Bank
WSB Municipal Bank
18-Month CD
1.53%
$500
State Bank Fenton, MI
State Bank Fenton, MI
18-Month CD
1.51%
$500
C&SB of Millersburg, Ohio
C&SB of Millersburg, Ohio
36-Month CD
1.16%
$500
WSB Municipal Bank
WSB Municipal Bank
60-Month CD
1.02%
$500
Bank of Wolcott
Bank of Wolcott
3-Month CD
1.00%
$5,000
PeopleFirst Bank
PeopleFirst Bank
24-Month CD
1.00%
$2,500
WSB Municipal Bank
WSB Municipal Bank
36-Month CD
0.92%
$500
FNB in Taylorville
FNB in Taylorville
48-Month CD
0.90%
$1,000
Centennial Bank TN
Centennial Bank TN
Money Market
0.85%
$2,500
FSB Mcpherson, KS
FSB Mcpherson, KS
Regular Savings
0.60%
$50
Bank of Botetourt
Bank of Botetourt
18-Month CD
0.55%
$500
Farmers State Bank Center, TX
Farmers State Bank Center, TX
Money Market Plus
0.55%
$25,000
F&M Bank Upperco, MD
F&M Bank Upperco, MD
24-Month CD
0.50%
$500
Peoples State Bank Ellettsville, IN
Peoples State Bank Ellettsville, IN
3-Month CD
0.50%
$500
Connex Credit Union
Connex Credit Union
Business Money Market
0.40%
$2,500
Parke Bank
Parke Bank
Passbook Savings
0.35%
$100
FNB Of Nokomis
FNB Of Nokomis
Money Market
0.30%
$1
Pulaski Savings Bank
Pulaski Savings Bank
24-Month CD
0.30%
$500
Henderson FSB
Henderson FSB
Money Market
0.25%
$1,000
North Country Savings Bank
North Country Savings Bank
48-Month CD
0.25%
$1,000
First Southern Bank
First Southern Bank
Premier Money Market
0.25%
$2,500
Yakima Federal S&L
Yakima Federal S&L
Choice Money Market
0.20%
$25,000
Conneaut Savings Bank
Conneaut Savings Bank
36-Month CD
0.20%
$1,000
Farmers State Bank of Alto Pass, Ill.
Farmers State Bank of Alto Pass, Ill.
6-Month CD
0.10%
$1,000
Five Star Credit Union
Five Star Credit Union
Savings
0.05%
$5
Lowell Five SB
Lowell Five SB
Premier Money Market
0.05%
$0
Thomaston Savings Bank
Thomaston Savings Bank
Savings
0.05%
$0
First State Bank (MI)
First State Bank (MI)
36-Month CD
0.05%
$1,000
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates February 15, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.125%
5.230%
0.000
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
5.500%
5.614%
0.000
5.500%
5.654%
0.000
30-Year Fixed
5.560%
5.730%
0.000
5.750%
5.756%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.750%
5.793%
0.000
5.625%
5.797%
0.000
5.750%
5.801%
0.000
5.750%
5.801%
0.000
15-Year Fixed
5.750%
5.806%
0.000
10-Year Fixed (Power Rate)
5.500%
5.814%
0.000
5.500%
5.820%
0.000
5.750%
5.832%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

NBT Financial Bank Information

NBT Financial Bank
2535 Ne 28th St
Fort Worth, TX 76106
Tarrant
Established Date: 11/29/1973
FDIC Certificate #: 21329
Date of FDIC Deposit Insurance: 11/29/1973
Bank Holding Company: HORIZON BANKSHARES INC
How Many Domestic U.S. Offices? 5
How Many Branches are There? 5
Is NBT Financial Bank FDIC Insured? Yes
What is NBT Financial Bank's Cert number? 21329
What is the maximum amount for insured deposits? $250,000 per holder, per account

NBT Financial Bank Financials

Total Assets:
$451,922,000
Total Deposits:
$401,999,000
Equity Capital:
$47,778,000
Domestic Deposits:
$401,999,000
Net Income:
$1,029,000
Return on Assets:
0.9786%
Quarterly Return on Assets:
0.9200%
Pretax Return on Assets:
1.1788%
Pretax Quarterly Return on Assets:
1.1800%
Return on Equity:
9.9900%
Quarterly Return on Equity:
8.7200%
Common Equity Tier 1 Capital Ratio:
13.4557%
Tier 1 Risk-Based Capital Ratio:
13.4557%
Leverage Tier 1 (Core Capital) Ratio:
10.4562%
Total Risk-Based Capital Ratio (YTD):
14.7078%
Total Interest Income (YTD):
6.0262%
 
 
Headquarters:
Fort Worth
FDIC Field Office:
Dallas
Regulator:
FDIC
County:
Tarrant
# of Offices:
5
Metropolitan Statistical Area (MSA):
Dallas-Fort Worth-Arlington, TX
Consolidated Metropolitan Statistical Area (CMSA):
Dallas-Fort Worth, TX
OTS Region:
West
FDIC Region:
Dallas
Source: FDIC Last Updated 03/31/2024

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