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 1.00%, 6-month CD rates at 3.85% and 3-month CD rates at 3.67%. Current savings rates are at 0.25% and money market rates are at 0.25%. Mortgage rates today on 30-year fixed loans are around 6.36%. Credit Card rates are at 16.49%. Personal Loan rates are at 10.50%. All these rates, and more, can be found in our database of rates. NBT Financial Bank's 12-Month CD (Jumbo) rates are at 3.80%, 12-Month CD rates are at 3.29%, 24-Month CD (Jumbo) rates are at 3.03%, 24-Month CD rates are at 3.03%, 48-Month CD (Jumbo) rates are at 2.52%. NBT Financial Bank's savings rates are at 2.27%. 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 0.76%, which is considered excellent. The Texas Ratio for NBT Financial Bank is lower than the national average of all banks, currently at 6.24%. 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
3.29%
18-Month CD
N/A
24-Month CD
3.03%
36-Month CD
2.52%
48-Month CD
2.02%
60-Month CD
1.51%
Savings
2.27%
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)
3.80%
$250,000
NBT Financial Bank
NBT Financial Bank
12-Month CD
3.29%
$1,000
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
48-Month CD (Jumbo)
2.52%
$250,000
NBT Financial Bank
NBT Financial Bank
36-Month CD (Jumbo)
2.52%
$250,000
NBT Financial Bank
NBT Financial Bank
36-Month CD
2.52%
$1,000
NBT Financial Bank
NBT Financial Bank
Personal Savings
2.27%
$200
NBT Financial Bank
NBT Financial Bank
48-Month CD
2.02%
$1,000
NBT Financial Bank
NBT Financial Bank
60-Month CD (Jumbo)
1.51%
$250,000
NBT Financial Bank
NBT Financial Bank
60-Month CD
1.51%
$1,000
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
Merrick Bank
Merrick Bank
9-Month CD
5.30%
$25,000
First United Bank Park River, ND
First United Bank Park River, ND
7-Month CD (special)
5.00%
$500
PSB Wellsburg, IA
PSB Wellsburg, IA
9-Month CD (special)
5.00%
$1,000
Gouverneur S&L
Gouverneur S&L
6-Month CD
4.86%
$2,500
Chicago Patrolmens Federal Credit Union
Chicago Patrolmens Federal Credit Union
24-Month CD
4.34%
$500
Garden Plain State Bank
Garden Plain State Bank
12-Month CD
4.32%
$1,000
Bogota Savings Bank
Bogota Savings Bank
15-Month CD
4.25%
$1,000
Mount Vernon B&T Co.
Mount Vernon B&T Co.
Investment Money Market
4.11%
$1,000,000
University First Federal Credit Union
University First Federal Credit Union
30-Month CD
4.09%
$500
FinWise Bank
FinWise Bank
36-Month CD
4.06%
$500
Toyota Financial Savings Bank
Toyota Financial Savings Bank
Money Market
3.45%
$1,000,000
Community Bank of Marshall
Community Bank of Marshall
48-Month CD
3.38%
$1,000
VirtualBank
VirtualBank
6-Month CD
3.35%
$0
NBKC Bank
NBKC Bank
60-Month CD
3.25%
$250
First National Bank of Bastrop
First National Bank of Bastrop
18-Month CD
3.03%
$500
Chesapeake Bank
Chesapeake Bank
6-Month CD
3.00%
$1,000
CSB Norwood Young America
CSB Norwood Young America
Prime Money Market
2.78%
$500,000
PCB Payne County Bank
PCB Payne County Bank
6-Month CD
2.75%
$1,000
Texas Heritage National Bank
Texas Heritage National Bank
48-Month CD
2.63%
$1,000
First National Bank of Steeleville
First National Bank of Steeleville
24-Month CD
2.50%
$500
Kanza Bank
Kanza Bank
48-Month CD
2.25%
$1,000
Grinnell State Bank
Grinnell State Bank
12-Month CD
2.07%
$1,000
Pittsfield Co-operative Bank
Pittsfield Co-operative Bank
48-Month CD
2.00%
$500
Coastal Heritage Bank
Coastal Heritage Bank
24-Month CD
2.00%
$1,000
Pioneer Community Bank, Inc.
Pioneer Community Bank, Inc.
24-Month CD
1.76%
$1,000
Pioneer Trust Bank
Pioneer Trust Bank
Savings
1.76%
$100
SSB of Wanamingo
SSB of Wanamingo
60-Month CD
1.76%
$500
Home Savings Bank, FSB
Home Savings Bank, FSB
36-Month CD
1.66%
$500
Eureka Savings Bank
Eureka Savings Bank
18-Month CD
1.26%
$1,000
FNB of Bellville
FNB of Bellville
36-Month CD
1.11%
$1,000
Community Bank Owatonna
Community Bank Owatonna
Money Market
1.00%
$90,000
Home Bank SB
Home Bank SB
12-Month CD
1.00%
$500
Greenville Federal
Greenville Federal
24-Month CD
0.80%
$500
First Federal Community Bank N.A.
First Federal Community Bank N.A.
36-Month CD
0.70%
$500
Lake Elmo Bank
Lake Elmo Bank
12-Month CD
0.70%
$1,000
Cornhusker Bank
Cornhusker Bank
12-Month CD
0.70%
$1,000
American Eagle Financial Credit Union
American Eagle Financial Credit Union
48-Month CD
0.60%
$500
First Exchange Bank
First Exchange Bank
60-Month CD
0.50%
$500
West Plains S&L
West Plains S&L
6-Month CD
0.45%
$1,000
Hyperion Bank
Hyperion Bank
Statement Savings
0.35%
$50
Prairie Community Bank
Prairie Community Bank
Statement Savings
0.30%
$100
Town & Country B&T Co.
Town & Country B&T Co.
36-Month CD
0.30%
$1,000
Vermont State Bank
Vermont State Bank
6-Month CD
0.30%
$500
North Country Savings Bank
North Country Savings Bank
48-Month CD
0.25%
$1,000
Citizens Bank
Citizens Bank
Private Client Money Market
0.20%
$25,000
Rhinebeck Bank
Rhinebeck Bank
Priority Savings
0.20%
$0
Yakima Federal S&L
Yakima Federal S&L
24-Month CD (savers choice)
0.20%
$500
Bank of Kampsville
Bank of Kampsville
Money Market
0.10%
$2,500
Achieve Financial Credit Union
Achieve Financial Credit Union
12-Month CD
0.10%
$1,000
PNC Bank
PNC Bank
36-Month CD
0.02%
$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 July 22, 2024

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
4.990%
5.353%
2.000
5.500%
5.540%
0.000
15 Year Fixed
5.500%
5.568%
0.000
5.500%
5.614%
0.000
6.500%
5.650%
0.000
5.500%
5.694%
0.250
5.500%
5.702%
1.000
5.500%
5.716%
0.500
5.500%
5.752%
0.000
5.550%
5.769%
0.000
15-Year Fixed
5.625%
5.777%
0.000
5.625%
5.777%
0.500
5.500%
5.803%
1.125
15-Year Fixed
5.750%
5.806%
0.000
5.500%
5.820%
0.000
5.625%
5.827%
0.000
5.625%
5.831%
0.000
5.750%
5.834%
0.000
5.750%
5.854%
0.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
5.500%
5.888%
1.875
6.000%
5.892%
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? 4
How Many Branches are There? 4
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:
$447,538,000
Total Deposits:
$402,531,000
Equity Capital:
$42,744,000
Domestic Deposits:
$402,531,000
Net Income:
$992,000
Return on Assets:
0.8115%
Quarterly Return on Assets:
0.8900%
Pretax Return on Assets:
1.1501%
Pretax Quarterly Return on Assets:
1.1500%
Return on Equity:
9.3700%
Quarterly Return on Equity:
9.4300%
Common Equity Tier 1 Capital Ratio:
12.4358%
Tier 1 Risk-Based Capital Ratio:
12.4358%
Leverage Tier 1 (Core Capital) Ratio:
9.3253%
Total Risk-Based Capital Ratio (YTD):
13.6872%
Total Interest Income (YTD):
3.9591%
 
 
Headquarters:
Fort Worth
FDIC Field Office:
Dallas
Regulator:
FDIC
County:
Tarrant
# of Offices:
4
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

Explore Other Rate Deals

weeklymortgagerates3Longer term conforming mortgage rates headed lower for the week ending December 21, 2009 after two consecutive weeks of higher mortgage rates. 30-year jumbo mortgage rates were down slightly this week over last but are still near the lows for 2009.
CD Rates for December 24th, 2019Average CD rates for December 24th, 2019 are mostly lower compared to last week's average rates. All average CD rates declined, except for average 3-month CD rates, which were unchanged. The best CD rates available on our rate lists are also lower, except for 6-month CD rates which moved higher. We don't expect any big moves either way for CD rates in the coming months, unless the Federal Reserve increases or lowers the fed funds rate which is unlikely.
Long term mortgage rates are lower this week and short term mortgage rates are higher thanks to the "Twist". The Fed's plan to decrease long term interest rates and increase short term rates has already started. 30 year conforming mortgage rates are averaging 4.00%, a decrease from last week’s average 30 year rate of 4.23%. 30 year mortgage rates are now at an all-time low in MonitorBankRates.com mortgage rate survey. 15 year mortgage rates are also lower this week, today's 15 year mortgage rates decreased to 3.24%, down from last week's average 15 year mortgage rates of 3.38%.

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