NBT Bank, National Association

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.nbtbank.com

607-337-6245

52 South Broad Street
Norwich, NY 13815

NBT Bank, National Association is headquartered in NORWICH and is the 11^th largest bank in the state of New York. It is also the 128^th largest bank in the nation. It was established in 1856 and as of March of 2025, it had grown to 1,729 employees at 157 locations. NBT Bank, National Association's money market rates are 8X the national average, and it has an A health rating.

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	7230
Year Established	1856
Employees	1729
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.01%
Return on Equity - YTD	9.2%
Annual Interest Income	$154.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$13.76B$13.34B
Loans	Q1 2025vs Q1 2024	$9.88B$9.58B
Deposits	Q1 2025vs Q1 2024	$11.94B$11.38B
Equity Capital	Q1 2025vs Q1 2024	$1.52B$1.44B
Loan Loss Allowance	Q1 2025vs Q1 2024	$117MM$115.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$46.7MM$36.7MM
Real Estate Owned	Q1 2025vs Q1 2024	$308K$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Skip to rates for:

Savings
Money Market
Checking

Report an Issue

Always verify rates and promotions with the bank or credit union. We are not NBT Bank, National Association; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

NBT Bank, National Association Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$50k^*	-	Health Savings Account
OTHER TIERS: 0.10% → $0 - $2.5k \| 0.15% → $2.5k - $25k \| 0.25% → $25k - $50k
0.03%	$100	-	eSavings
0.03%	$0	-	iStrive Savings Account
0.03%	$25	-	Statement Savings Account

NBT Bank, National Association Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.51%^*	$500k^*	-	Accelerate Money Market
OTHER TIERS: 1.26% → $25k - $50k \| 1.71% → $50k - $100k \| 2.22% → $100k - $250k \| 2.99% → $250k - $500k

NBT Bank, National Association Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	$100	-	eChecking
0.01%	$100	-	Classic Interest Checking

Locations

Availability

Binghamton Area

Binghamton Area bank & credit union details

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.