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NBT Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

NBT Bank's top rates as of October 14, 2026 are 0.30% APY on savings, 2.78% APY on money market accounts, 0.01% APY on checking, and personal loans from 6.99% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of NBT Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.43%. Rates last updated and verified on 10/14/2026.

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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 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 ?
3.43%
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
MemberFDIC
Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

NBT Bank Savings Rates

Product Rate APY View More
Health Savings Accounts 0.30% 0.30%
Min Balance $50,000
Details Balance: $50,000 +
Last Updated 10/14/2026
Rate History
No change since Oct 7, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Oct 7, 2026: 0.30% APYOct 7, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
Health Savings Accounts 0.25% 0.25%
Min Balance $25,000
Details Balance: $25,000 < $50,000
Last Updated 10/14/2026
Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 7, 2026: 0.25% APYOct 7, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
Health Savings Accounts 0.15% 0.15%
Min Balance $2,500
Details Balance: $2,500 < $25,000
Last Updated 10/14/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
Health Savings Accounts 0.10% 0.10%
Min Balance $0
Details Balance: $0.01 < $2,500
Last Updated 10/14/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
eSavings Account 0.03% 0.03%
Min Balance $100
Details Balance: $100 < $2,500
Last Updated 10/14/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 7 times
0.00%0.27%0.53%Sep 18, 2026: 0.03% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
eSavings Account 0.03% 0.03%
Min Balance $2,500
Details Balance: $2,500 < $10,000
Last Updated 10/14/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 7 times
0.00%0.27%0.53%Sep 18, 2026: 0.03% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
eSavings Account 0.03% 0.03%
Min Balance $10,000
Details Balance: $10,000 and over
Last Updated 10/14/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 7 times
0.00%0.27%0.53%Sep 18, 2026: 0.03% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
iStrive Savings Account 0.03% 0.03%
Min Balance $0
Details Balance: $0.01 < $2,500; Tier 1 - Average daily balance; Accounts Opened Online
Last Updated 10/14/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 7 times
0.00%0.27%0.53%Sep 18, 2026: 0.03% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
iStrive Savings Account 0.03% 0.03%
Min Balance $2,500
Details Balance: $2,500 < $10,000; Tier 2 - Average daily balance; Accounts Opened Online
Last Updated 10/14/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 7 times
0.00%0.27%0.53%Sep 18, 2026: 0.03% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
iStrive Savings Account 0.03% 0.03%
Min Balance $10,000
Details Balance: $10,000 +; Tier 3 - Average daily balance; Accounts Opened Online
Last Updated 10/14/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 7 times
0.00%0.27%0.53%Sep 18, 2026: 0.03% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
Statement Savings Account 0.03% 0.03%
Min Balance $25
Details Balance: $25 +; Interest Rates for Accounts Opened Online
Last Updated 10/14/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 7 times
0.00%0.27%0.53%Sep 18, 2026: 0.03% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%

NBT Bank Money Market Rates

Product Rate APY View More
Accelerate Money Market 2.75% 2.78%
Min Balance $500,000
Details Tier 5; Balance: $500,000 +
Last Updated 10/14/2026
Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 7 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
Accelerate Money Market 2.25% 2.27%
Min Balance $250,000
Details Tier 4; Balance: $250,000 < $500,000
Last Updated 10/14/2026
Rate History
No change since Sep 18, 2026 · 2.27% APY · checked 7 times
1.77%2.27%2.77%Sep 18, 2026: 2.27% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
Accelerate Money Market 1.75% 1.76%
Min Balance $100,000
Details Tier 3; Balance: $100,000 < $250,000
Last Updated 10/14/2026
Rate History
No change since Sep 18, 2026 · 1.76% APY · checked 7 times
1.26%1.76%2.26%Sep 18, 2026: 1.76% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
Accelerate Money Market 1.45% 1.46%
Min Balance $50,000
Details Tier 2; Balance: $50,000 < $100,000
Last Updated 10/14/2026
Rate History
No change since Sep 18, 2026 · 1.46% APY · checked 7 times
0.96%1.46%1.96%Sep 18, 2026: 1.46% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
Accelerate Money Market 1.00% 1.00%
Min Balance $25,000
Details Tier 1; Balance: $25,000 < $50,000
Last Updated 10/14/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%

NBT Bank Checking Rates

Product Rate APY View More
Classic Interest Checking 0.01% 0.01%
Min Balance $100
Details Balance: $100 < $2,500
Last Updated 10/14/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 18, 2026: 0.01% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
Classic Interest Checking 0.01% 0.01%
Min Balance $2,500
Details Balance: $2,500 +
Last Updated 10/14/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 18, 2026: 0.01% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%

NBT Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - Variable Rate After Introductory Period - - 6.75%
Details As Low As; Variable rate after introductory discount period: as low as Prime - 0.250%; rate reflects 0.50% discount for automatic payment from an NBT Bank Checking or Money Market Account and would increase if this condition is not met; floor 3.75%, cap 15.90%; adjusts monthly with the Wall Street Journal Prime Rate
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 14, 2026: 6.75% APROct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%

NBT Bank Auto Loan Rates

Product Rate Points APR Term View More
New Automobile Loan - - 7.77%
Details Closed-end Personal Loan Rates; Lowest APR available on approved credit; rate assumes automatic payment from NBT checking or money market account (add .50% if not selected); minimum loan $5,000; minimum credit score 730; maximum term 48 months
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.77% APR
7.27%7.77%8.27%Oct 14, 2026: 7.77% APROct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
Used Automobile Loan - - 7.77%
Details Closed-end Personal Loan Rates; Lowest APR available on approved credit; rate assumes automatic payment from NBT checking or money market account (add .50% if not selected); minimum loan $5,000; minimum credit score 730; maximum term 48 months
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 7.77% APR
7.27%7.77%8.27%Oct 14, 2026: 7.77% APROct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%

NBT Bank Personal Loan Rates

Product APR Term View More
Personal Loan Unsecured 6.99%
Details Closed-end Personal Loan Rates; Lowest APR available on approved credit; rate assumes automatic payment from NBT checking or money market account (add .50% if not selected); minimum loan $4,000; minimum credit score 730; maximum term 36 months
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 14, 2026: 6.99% APROct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.43%
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.
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Financial Health History

NBT Bank’s Texas Ratio rose from 1.68% in Q3 2023 to 3.43% 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.

0% 1.0★ 1.2% 2.0★ 2.3% 3.0★ 3.5% 4.0★ 4.6% 5.0★ Healthy zone – entire history below the 15% limit 1.68% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.43% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$16.1B3.43%5.0A+
March 31, 2026$16.1B3.22%5.0A+
December 31, 2025$15.9B2.75%5.0A+
September 30, 2025$16.0B2.94%5.0A+
June 30, 2025$15.9B2.54%5.0A+
March 31, 2025$13.8B3.10%5.0A+
December 31, 2024$13.7B3.39%5.0A+
September 30, 2024$13.7B2.40%5.0A+
June 30, 2024$13.4B2.56%5.0A+
March 31, 2024$13.3B2.55%5.0A+
December 31, 2023$13.2B2.58%5.0A+
September 30, 2023$13.7B1.68%5.0A+
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

Bank Name NBT Bank
Website https://www.nbtbank.com
Address 52 S Broad St, Norwich, NY 13815  ·  Chenango
Bank Holding Company NBT BCORP INC
FDIC Certificate # 7230
Regulator OCC
Established March 3, 1856
FDIC Insurance Date January 1, 1934
Domestic Offices 175
Total Branches 175
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.43%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.2082%
Return on Equity (ROE)
10.4500%
Non-Performing Loans Ratio (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 June 30, 2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

NBT Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/nbt-bank-cd-rates">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for NBT Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for NBT Bank
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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.

Current NBT Bank Rates

  • Savings0.30%
  • MMA2.78%
Retrieved from our database of financial products. Rates subject to change.

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