First National Bank of Scotia - Nationwide Branches

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Branch	Address	View Lobby Hours
Guilderland-Westmere Branch	8 Karner Road, Guilderland, NY 12084	View Lobby Hours
Saratoga Branch	3013 Route 50, Saratoga Springs, NY 12866	View Lobby Hours
Rotterdam Branch	2695 Hamburg Street, Schenectady, NY 12303	View Lobby Hours
Glenville Branch	240 Saratoga Road, Glenville, NY 12302	View Lobby Hours
First National Bank Of Scotia	201 Mohawk Avenue, Scotia, NY 12302	View Lobby Hours
Colonie Branch	1705 Central Avenue, Colonie, NY 12205	View Lobby Hours
Clifton Park Office	1643 Rt 9, Clifton Park, NY 12065	View Lobby Hours
Niskayuna Branch	1476 Balltown Road, Niskayuna, NY 12309	View Lobby Hours
Schenectady Branch	120 Erie Boulevard, Schenectady, NY 12305	View Lobby Hours
Ge Global Research Center	1 Research Circle, Commons 2a7, Schenectady, NY 12309	View Lobby Hours

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Reviews on First National Bank of Scotia

Zflash4000 | Oct 1, 2017

Will play games with your account. changing posting dates and times. Will hold direct deposit so you overdraft your account.

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 292473	6.247%	6.125% 0.63 points $4,155 fees	$1,945	Learn More
NMLS ID: 399799	6.486%	6.375% 0.75 points $3,884 fees	$1,997	Learn More
NMLS ID: 401822	6.518%	6.375% 0.88 points $4,795 fees	$1,997	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
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 6.490 % After Intro: 7.750 % 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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