Bank · FDIC insured
NBT Financial CD Rates
NBT Financial’s best CD rate is 3.02% APY on a 6-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How NBT Financial’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where NBT Financial has the most branches. $10,000, best rate first.
This bank’s best
NBT Financial
2.52%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $125
180 Day CD
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
NBT Financial CD score
64
CD score
Higher than 10% of U.S. banks and credit unions
- 3–8 months3–8 mo2.52%
- 9–15 months9–15 mo2.27%
- 16–30 months16–30 mo2.02%
- 31–60 months31–60 mo2.02%
- QualifiedQualified2.52%
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 Financial ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
JUMBO 180 Day CD
3.02%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA penalty will be imposed for early withdrawal | 3.02% | $150 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
JUMBO 12 Month CD
2.78%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsA penalty will be imposed for early withdrawal | 2.78% | $278 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
180 Day CD
2.52%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA penalty will be imposed for early withdrawal | 2.52% | $125 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
12 Month CD
2.27%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsA penalty will be imposed for early withdrawal | 2.27% | $227 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
JUMBO 36 Month CD
2.27%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsA penalty will be imposed for early withdrawal | 2.27% | $697 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
JUMBO 48 Month CD
2.27%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsA penalty will be imposed for early withdrawal | 2.27% | $939 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
JUMBO 60 Month CD
2.27%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsA penalty will be imposed for early withdrawal | 2.27% | $1,188 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
24 Month CD
2.02%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsA penalty will be imposed for early withdrawal | 2.02% | $408 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
36 Month CD
2.02%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsA penalty will be imposed for early withdrawal | 2.02% | $618 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
48 Month CD
2.02%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsA penalty will be imposed for early withdrawal | 2.02% | $833 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
60 Month CD
2.02%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsA penalty will be imposed for early withdrawal | 2.02% | $1,052 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
JUMBO 24 Month CD
2.02%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsA penalty will be imposed for early withdrawal | 2.02% | $408 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
Special-purpose accounts
JUMBO 12 Month IRA
2.53%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsA penalty will be imposed for early withdrawal | 2.53% | $253 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
JUMBO 6 Month IRA
2.53%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA penalty will be imposed for early withdrawal | 2.53% | $126 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
12 Month IRA Fixed
2.28%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsA penalty will be imposed for early withdrawal | 2.28% | $228 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
6 Month IRA Fixed
2.28%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA penalty will be imposed for early withdrawal | 2.28% | $113 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
JUMBO 36 Month IRA
2.02%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsA penalty will be imposed for early withdrawal | 2.02% | $618 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
36 Month IRA Fixed
1.77%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsA penalty will be imposed for early withdrawal | 1.77% | $540 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
Education IRA
1.77%APY
A penalty will be imposed for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA penalty will be imposed for early withdrawal.Any balance | 1.77% | $177 | A penalty will be imposed for early withdrawal. |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
JUMBO 24 Month IRA
1.26%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsA penalty will be imposed for early withdrawal | 1.26% | $254 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
24 Month IRA Fixed
1.01%APY · 1 term
A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsA penalty will be imposed for early withdrawal | 1.01% | $203 |
Sources (1)
- nbt.bank/personal/current-rates · captured Sep 17, 2026
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.