Community Bank, National Association - Nationwide Branches

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Branch	Address	View Lobby Hours
Boonville Main St. Branch	101 Main Street, Boonville, NY 13309	View Lobby Hours
Milford Branch	101 East Main Street, Milford, NY 13807	View Lobby Hours
Laceyville Branch	406 Main Street, Laceyville, PA 18623	View Lobby Hours
Gouverneur Branch	100 East Main Street, Gouverneur, NY 13642	View Lobby Hours
Oswego Branch	100 East First Street, Oswego, NY 13126	View Lobby Hours
Newark Church St Branch	100 Church Street, Newark, NY 14513	View Lobby Hours
Malone Elm St Branch	10 Elm Street, Malone, NY 12953	View Lobby Hours
Ripley Branch	1 West Main Street, Ripley, NY 14775	View Lobby Hours
Lakewood Branch	1 West Fairmount Avenue, Lakewood, NY 14750	View Lobby Hours
Waddington Branch	1 Main Street, Waddington, NY 13694	View Lobby Hours
Rushville Branch	1 North Main Street, Rushville, NY 14544	View Lobby Hours
Clifton Springs Plaza Branch	1 Clifton Springs Plaza, Clifton Springs, NY 14432	View Lobby Hours
Waterbury Branch	994 Waterbury Stowe Road, Waterbury, VT 5676	View Lobby Hours
Fair Haven Branch	97 Main Street, Fair Haven, VT 5743	View Lobby Hours
Wilmington Branch	97 East Main Street, Wilmington, VT 5363	View Lobby Hours
South Burlington Shelburne Road Bran	929 Shelburne Road, South Burlington, VT 5403	View Lobby Hours
Rutland Woodstock Avenue Branch	92 Woodstock Avenue, Rutland, VT 5701	View Lobby Hours
Hardwick Branch	84 Vermont Route 15-West, Hardwick, VT 5843	View Lobby Hours
Northfield Branch	70 Depot Square, Northfield, VT 5663	View Lobby Hours
Essex Junction Branch	54 Pearl Street, Essex Junction, VT 5452	View Lobby Hours
Manchester Branch	4996 Main Street, Manchester Center, VT 5255	View Lobby Hours
St. Johnsbury Branch	481 Portland Street, Saint Johnsbury, VT 5819	View Lobby Hours
Enosburg Branch	371 Main Street, Enosburg Falls, VT 5450	View Lobby Hours
Winooski Branch	364 Main Street, Winooski, VT 5404	View Lobby Hours
Barre Branch	361 North Main Street, Barre, VT 5641	View Lobby Hours
East Thetford Branch	2930 Us Route 5, East Thetford, VT 5043	View Lobby Hours
South Hero Branch	301 Route 2, South Hero, VT 5486	View Lobby Hours
Rutland Green Mountain Plaza Branch	286 Route 7, South, Rutland, VT 5701	View Lobby Hours
Burlington College Street Branch	172 College Street, Burlington, VT 5401	View Lobby Hours
Hinesburg Branch	26 Ballard's Corner Road, Hinesburg, VT 5461	View Lobby Hours
White River Junction Branch	25 Ralph Lehman Drive, White River Junction, VT 5001	View Lobby Hours
Vergennes Branch	25 Monkton Road, Vergennes, VT 5491	View Lobby Hours
Jericho Branch	205 Vermont Route 15, Jericho, VT 5465	View Lobby Hours
Brattleboro Branch	205 Main Street, Brattleboro, VT 5301	View Lobby Hours
Springfield, Vt Branch	2 Chester Road, Suite 6, Springfield, VT 5156	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
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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