Community Bank, National Association - Nationwide Branches

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Branch	Address	View Lobby Hours
Bath Branch	8 Liberty Street, Bath, NY 14810	View Lobby Hours
Heuvelton Branch	78 State Street, Heuvelton, NY 13654	View Lobby Hours
Edwardsville Branch	78 South Wyoming Avenue, Edwardsville, PA 18704	View Lobby Hours
Lowville State St Branch	7605 N State Street, Lowville, NY 13367	View Lobby Hours
Gowanda Branch	76 West Main Street, Gowanda, NY 14070	View Lobby Hours
Cobleskill Branch	750 East Main Street, Cobleskill, NY 12043	View Lobby Hours
Tupper Lake Park St Branch	75 Park Street, Tupper Lake, NY 12986	View Lobby Hours
Lowville Turin Rd Branch	7395 Turin Road, Lowville, NY 13367	View Lobby Hours
Hornell Branch	7279 Seneca Road North, Hornell, NY 14843	View Lobby Hours
Ovid Branch	7193 Main Street, Ovid, NY 14521	View Lobby Hours
Seneca Falls Branch	70 Falls Street, Seneca Falls, NY 13148	View Lobby Hours
Westfield Branch	70 East Main Street, Westfield, NY 14787	View Lobby Hours
Portville N Main St Branch	7 North Main Street, Portville, NY 14770	View Lobby Hours
Avon Branch	68 Genesee Street, Avon, NY 14414	View Lobby Hours
Carbondale Branch	67 Salem Avenue, Carbondale, PA 18407	View Lobby Hours
Canandaigua S Main St Branch	659 South Main Street, Canandaigua, NY 14424	View Lobby Hours
Bowman's Creek Branch	6453 Sr 309 ,, Monroe Township, PA 18657	View Lobby Hours
Jermyn Branch	645 Washington Avenue, Jermyn, PA 18433	View Lobby Hours
Potsdam Market St Branch	64-70 Market Street, Potsdam, NY 13676	View Lobby Hours
Wilkes-Barre N Franklin St Branch	64 North Franklin Street, Wilkes Barre, PA 18701	View Lobby Hours
Indian Lake Branch	6321 Route 30, Indian Lake, NY 12842	View Lobby Hours
Cooperstown Main St Branch	62 Main Street, Cooperstown, NY 13326	View Lobby Hours
Cicero Branch	5966-5968 State Route 31, Cicero, NY 13039	View Lobby Hours
Saranac Lake Lake Flower Ave Branch	588 Lake Flower Avenue, Saranac Lake, NY 12983	View Lobby Hours
Dewitt - Administrative Office	5790 Widewaters Parkway, De Witt, NY 13214	View Lobby Hours
Public Accommodation Branch	5397 Dayan Street, Lowville, NY 13367	View Lobby Hours
Cooperstown Otsego Branch	5378 State Highway 28, Cooperstown, NY 13326	View Lobby Hours
Palmyra 525 E Main St Branch	525 East Main Street, Palmyra, NY 14522	View Lobby Hours
Olean Delaware Park Branch	500 Delaware Avenue, Olean, NY 14760	View Lobby Hours
Scranton Minooka Branch	500 Davis Street, Scranton, PA 18505	View Lobby Hours
Owego Branch	50 West Main Street, Owego, NY 13827	View Lobby Hours
Belfast Branch	50 Main Street, Belfast, NY 14711	View Lobby Hours
Geneva Seneca St Branch	5 Seneca Street, Geneva, NY 14456	View Lobby Hours
Orchard Park Branch	5 Clark Street, Orchard Park, NY 14127	View Lobby Hours
Oneonta Southside Branch	4987 State Highway 23, Oneonta, NY 13820	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 292473	5.876%	5.750% 0.75 points $4,417 fees	$1,868	Learn More
NMLS ID: 399799	6.109%	6.000% 0.75 points $3,916 fees	$1,919	Learn More
NMLS ID: 3030		points fees		Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line See Table	0.000 %	$0	Learn More More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000. #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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