Community Bank, National Association - Nationwide Branches

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Branch	Address	View Lobby Hours
Pulaski Branch	4854 North Jefferson Street, Pulaski, NY 13142	View Lobby Hours
Norwich Town Branch	4837 State Highway 23, Norwich, NY 13815	View Lobby Hours
Plattsburgh 468 Rt 3 Branch	468 Route 3, Plattsburgh, NY 12901	View Lobby Hours
Mount Morris Branch	46 Main Street, Mount Morris, NY 14510	View Lobby Hours
Saranac Lake Broadway Branch	46 Broadway, Saranac Lake, NY 12983	View Lobby Hours
Alexandria Bay Branch	45562 Route 12 Thompson Mall, Alexandria Bay, NY 13607	View Lobby Hours
Community Bank, National Association	45-49 Court Street, Canton, NY 13617	View Lobby Hours
Pittston Branch	45 South Main Street, Pittston, PA 18640	View Lobby Hours
Fillmore Branch	44 West Main Street, Fillmore, NY 14735	View Lobby Hours
Oneonta Chestnut St Branch	434 Chestnut Street, Oneonta, NY 13820	View Lobby Hours
Wyalusing Branch	426 State Street, Wyalusing, PA 18853	View Lobby Hours
Geneseo Branch	4218 Lakeville Road, Geneseo, NY 14454	View Lobby Hours
Wellsville Bolivar Rd Branch	4196 Bolivar Road, Wellsville, NY 14895	View Lobby Hours
Boiceville Branch	4141 State Highway 28, Boiceville, NY 12412	View Lobby Hours
Lyons Falls Branch	4116 Center Street, Lyons Falls, NY 13368	View Lobby Hours
Nichols Branch	41 East River Road, Nichols, NY 13812	View Lobby Hours
Star Lake Branch	4091 State Highway 3, Star Lake, NY 13690	View Lobby Hours
Watkins Glen Branch	401 North Franklin Street, Watkins Glen, NY 14891	View Lobby Hours
Towanda Branch	400 Main Street, Towanda, PA 18848	View Lobby Hours
Hazleton Airport Road Branch	400 Airport Road, Hazle Township, PA 18202	View Lobby Hours
Dunkirk Vineyard Dr Branch	3909 Vineyard Drive, Dunkirk, NY 14048	View Lobby Hours
Alfred Branch	39 North Main Street, Alfred, NY 14802	View Lobby Hours
Bolivar Branch	380 Main Street, Bolivar, NY 14715	View Lobby Hours
Madrid Branch	3748 County Route 14, Madrid, NY 13660	View Lobby Hours
Dunkirk Central Ave Branch	345 Central Avenue, Dunkirk, NY 14048	View Lobby Hours
Hannibal Branch	343 Church Street, Hannibal, NY 13074	View Lobby Hours
Corning W Pulteney St Branch	331 West Pulteney Street, Corning, NY 14830	View Lobby Hours
Malone W Main St Branch	320 West Main St, Malone, NY 12953	View Lobby Hours
Ogdensburg Ford St Branch	320 Ford Street, Ogdensburg, NY 13669	View Lobby Hours
Angelica Branch	32-34 West Main Street, Angelica, NY 14709	View Lobby Hours
Canandaigua County Rd 10 Branch	3150 County Road 10, Canandaigua, NY 14424	View Lobby Hours
Allegany Branch	3074 Nys Route 417, Olean, NY 14760	View Lobby Hours
Old Forge Branch	3102 State Route 28, Old Forge, NY 13420	View Lobby Hours
Otego Branch	304 Main Street, Otego, NY 13825	View Lobby Hours
Elmira Branch	300 West Water Street, Elmira, NY 14901	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	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
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
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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