Personal Savings Accounts


Enjoy the security of a guaranteed return with a National Bank & Trust Certificate of Deposit. CDs usually pay a higher rate of interest than money market or savings accounts. 

When opening a Certificate of Deposit, you have a choice of terms at competitive rates. All of our CDs are automatically renewable with a 10 day grace period.. Early withdrawal may result in a penalty.


  • Traditional IRAs from one to five years.
  • Roth IRAs
  • Competitive interest rates
  • No annual administration fee
  • Automatically renewable

* Substantial penalty for early withdrawal


A savings account is a foundation of your financial security. Good money management requires that you reserve funds for life's unexpected occurrences, as well as for those special purposes you have in mind. Smart money management means putting your money in the right kinds of accounts, and ensuring they deliver maximum earning power.

National Bank & Trust, with our complete range of savings and investment accounts, offers you the tools with which to build your future. Whatever your financial style, situation or purpose - and whether you're just starting out, or have sophisticated requirements - the right plan from National Bank & Trust will help you make the most of your money.

Our basic savings account is an easy way to start saving.

  • Minimum deposit of $100.00 to open account
  • Unlimited deposits
  • Up to 6 withdrawals per month at no charge, online transfers will be included.
  • Interest compounded daily and paid quarterly on daily balances of $100.00 or more
  • Interest rate subject to change
  • Debit Card
  • Maintain a daily balance of $100.00 or more to avoid a monthly service charge
  • Make unlimited deposits and withdrawals at an NBT ATM with no transaction fees
  • Fees may apply for transactions at other ATMs
  • Quarterly statements