Health Savings Account CDs

Envisioning future health needs can be a difficult and unwelcomed task. As you think about and prepare for you future, a Health Savings Account Certificate of Deposit is one way to earn a higher interest rate on HSA funds when you do not anticipate upcoming medical expenses or need immediate access to the funds. 

Account Details

  • $1,000 minimum to open
  • 12 month minimum term
  • 60 month maximum term
  • You can choose to have your interest added to the balance of your CD, deposited to an NBT Bank checking or savings account, or mailed to you by check
  • Early withdrawal penalties may apply

Features and Benefits

  • CD renews automatically
  • Summary of CD information can be included on a monthly portfolio paper statement or eStatement
  • One additional deposit allowed annually