Savings

Personal Savings Options

Establishing a savings account and a savings goal at NB&T is an important step in your financial future. Use our handy Savings Calculator to help with setting your goals and savings process!

Regular Savings

This is the traditional savings account for those wanting to create a savings habit. This account has no minimum balance to earn interest. You are allowed two withdrawals per month at no charge. $1.00 is charged for each additional withdrawal and there is a $3.00 service charge if the minimum daily balance falls below $250. You are limited to no more than six withdrawals per statement cycle. $10 is the minimum required to open this account.

  • Savings Tip: Set a regular deposit schedule to help your savings grow and gain the power of compounding interest!

Holiday Club

Meet each year's holiday expenses without worry when you use our Holiday Club account. Each week, deposit a set amount in this 50-week account. Interest is compounded every 12 months and credited every year. Holiday Club accounts can be opened beginning the third week of October. Club checks are issued at the end of the following October, just in time for holiday shopping. Minimum opening balance required of at least $1.00. Early withdrawal interest penalties apply.

The Really Awesome Dollars (RAD) Account

A fun way to save and learn. This account is for our customers age 18 and under and helps teach them about the value of saving money and setting a goal. A minimum deposit of $1.00 is required to open the account and deposits can be made with as little as $0.25. Interest is compounded daily and credited quarterly. You are limited to no more than six withdrawals per statement cycle.

  • Savings Tip: Our young savers can be rewarded with parents matching their deposits. What a fun way to teach saving!

Personal Investment Account

This savings plan offers you the opportunity to earn more on your money because interest rates are tiered. A monthly service charge of $8 will be charged every statement cycle if the minimum daily balance for the cycle falls below $2,500 in this account any day of the cycle. Interest is compounded and credited monthly. You may make a total of six withdrawals per statement cycle at no charge. A $3 penalty fee is charged for each additional withdrawal or transfer. A monthly statement will summarize your balance, account activity and the interest your account has earned.

Money Builder Account

A savings account built for the serious saver. Our highest yielding savings account with easy savings and easy access.

  • Minimum opening balance is $10,000. If you fall below $10,000 there is a monthly service charge of $25
  • Variable interest rate with 6 tiers
  • Offers check access
  • Up to 6 withdrawals per statement cycle at no cost; penalty fee of $3.00 will be charged for each additional withdrawal

A $50 closing fee is applied to all accounts if the account is closed within the first six (6) months.