Bank · FDIC insured
NBT Financial Savings Rates
NBT Financial’s best savings rate is 2.07% APY on $10,000, with its Personal Savings. Rates checked October 16, 2026.
How NBT Financial’s savings 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
2.07%APY
- Requires
- None
- Minimum
- $200
- Earns on $10,000 a year
- $207
Personal Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
NBT Financial savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.07%
- $10,000 balance$10,0002.07%
- $100,000 balance$100,0002.07%
- QualifiedQualified2.07%
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 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.
Personal Savings
2.07%APY
Variable rate; interest rate and annual percentage yield may change after account opening. A $6.00 quarterly service charge applies if a minimum daily balance of $200.00 is not maintained.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest rate and APY may change after account opening. $6.00 fee per calendar quarter if minimum daily balance of $200.00 is not maintained.Any balance | 2.07% | $207 | Interest rate and APY may change after account opening. $6.00 fee per calendar quarter if minimum daily balance of $200.00 is not maintained. |
Sources (2)
All 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.