Bank · FDIC insured
NBT Bank Savings Rates
NBT Bank’s best savings rate is 0.03% APY on $10,000, with its Statement Savings Account. Rates checked October 16, 2026.
How NBT Bank’s savings rates compare
Compared with banks and credit unions near Syracuse, NY, where NBT Bank has the most branches. $10,000, best rate first.
This bank’s best
NBT Bank
0.03%APY
- Minimum
- $25
- Earns on $10,000 a year
- $3
Statement Savings Account
Top rate
Canandaigua National Bank
3.15%APY
- Minimum
- $0
- Earns on $10,000 a year
- $315
2nd-highest rate
Ukrainian Federal Credit Union
2.02%APY
- Minimum
- —
- Earns on $10,000 a year
- $202
NBT Bank savings score
62
Savings score
Higher than 7% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.03%
- $100,000 balance$100,0001.76%
- QualifiedQualified0.03%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where NBT Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Accelerate Money Market
Up to 2.78%APY
Minimum balance to earn interest is $25,000. $20 monthly maintenance fee if average monthly balance falls below $25,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $50,000Tier 1 - Average daily balance $25,000 < $50,000. Fee waived if average monthly balance is $25,000 or more. | 1.00% | — | Tier 1 - Average daily balance $25,000 < $50,000. Fee waived if average monthly balance is $25,000 or more. |
| $50,000 – $100,000Tier 2 - Average daily balance $50,000 < $100,000. Fee waived if average monthly balance is $25,000 or more. | 1.46% | — | Tier 2 - Average daily balance $50,000 < $100,000. Fee waived if average monthly balance is $25,000 or more. |
| $100,000 – $250,000Tier 3 - Average daily balance $100,000 < $250,000. Fee waived if average monthly balance is $25,000 or more. | 1.76% | — | Tier 3 - Average daily balance $100,000 < $250,000. Fee waived if average monthly balance is $25,000 or more. |
| $250,000 – $500,000Tier 4 - Average daily balance $250,000 < $500,000. Fee waived if average monthly balance is $25,000 or more. | 2.27% | — | Tier 4 - Average daily balance $250,000 < $500,000. Fee waived if average monthly balance is $25,000 or more. |
| $500,000 and upTier 5 - Average daily balance $500,000 +. Fee waived if average monthly balance is $25,000 or more. | 2.78% | — | Tier 5 - Average daily balance $500,000 +. Fee waived if average monthly balance is $25,000 or more. |
Sources (2)
- nbtbank.com/Personal/Products-…gs/Money-Market-Accounts
- nbtbank.com/Personal/Products-…/Checking/Interest-Rates
All captured Sep 17, 2026
Statement Savings Account
0.03%APY
Also referred to as Personal Statement Savings. Online opening requires age 18 or older. No monthly balance requirements. No monthly maintenance fee. Minimum balance to open is $25 online or $0 in branch. Interest paid on balances $25 or more quarterly, or monthly if set up with a portfolio statement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upTier 1: Average daily balance $25 +. Accounts opened online.$25 and up | 0.03% | $3 | Tier 1: Average daily balance $25 +. Accounts opened online. |
eSavings Account
0.03%APY
Online opening requires age 18 or older. No monthly balance requirements. No monthly maintenance fee. Minimum balance to open is $25 online or $0 in branch. Interest paid on balances $100 or more quarterly, or monthly through a portfolio statement.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,500Tier 1: Average daily balance $100 < $2,500 ($100 - $2,499.99). Accounts opened online. | 0.03% | — | Tier 1: Average daily balance $100 < $2,500 ($100 - $2,499.99). Accounts opened online. |
| $2,500 – $10,000Tier 2: Average daily balance $2,500 < $10,000 ($2,500 - $9,999.99). Accounts opened online. | 0.03% | — | Tier 2: Average daily balance $2,500 < $10,000 ($2,500 - $9,999.99). Accounts opened online. |
| $10,000 and upTier 3: Average daily balance $10,000 +. Accounts opened online. | 0.03% | $3 | Tier 3: Average daily balance $10,000 +. Accounts opened online. |
Sources (2)
- nbtbank.com/Personal/Products-…ervices/Savings/eSavings
- nbtbank.com/Personal/Products-…/Checking/Interest-Rates
All captured Oct 16, 2026
Special-purpose accounts
iStrive Savings
0.03%APY
Designed for youth and young adults. Online opening requires age 18 or older. If under 18, must be opened as joint account with an adult. No monthly balance requirements. No monthly maintenance fee ($2 paper statement fee avoided with eStatements). Minimum balance to open is $25 online or $0 in branch. Interest paid quarterly or monthly through a portfolio statement.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier 1: Average daily balance $0.01 < $2,500 ($0.01 < $2,499.99). Accounts opened online. | 0.03% | — | Tier 1: Average daily balance $0.01 < $2,500 ($0.01 < $2,499.99). Accounts opened online. |
| $2,500 – $10,000Tier 2: Average daily balance $2,500 < $10,000 ($2,500 < $9,999.99). Accounts opened online. | 0.03% | — | Tier 2: Average daily balance $2,500 < $10,000 ($2,500 < $9,999.99). Accounts opened online. |
| $10,000 and upTier 3: Average daily balance $10,000 +. Accounts opened online. | 0.03% | $3 | Tier 3: Average daily balance $10,000 +. Accounts opened online. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.