NBT Bank, National Association - Nationwide Branches

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Branch	Address	View Lobby Hours
Lancaster Branch	4979 Transit Road, Depew, NY 14043	View Lobby Hours
West Seneca Branch	938 Union Road, West Seneca, NY 14224	View Lobby Hours
Elmwood Village Branch	925 Elmwood Ave, Buffalo, NY 14222	View Lobby Hours
Evans Bank, National Association	8599 Erie Rd, Angola, NY 14006	View Lobby Hours
Clarence Branch	8411 Main Street, Williamsville, NY 14221	View Lobby Hours
North Boston Branch	7205 Boston State Road, Boston, NY 14025	View Lobby Hours
Highland-Derby Branch	6840 Erie Road, Derby, NY 14047	View Lobby Hours
Hamburg Branch	5999 South Park Ave, Hamburg, NY 14075	View Lobby Hours
Williamsvile Branch	5178 Main Street, Williamsville, NY 14221	View Lobby Hours
Amherst Office Branch	3388 Sheridan Drive, Amherst, NY 14226	View Lobby Hours
Tonawanda Office Branch	2800 Niagara Falls Boulevard, Tonawanda, NY 14150	View Lobby Hours
North Buffalo Branch	2670 Delaware Avenue, Buffalo, NY 14216	View Lobby Hours
Forestville Branch	25 Main Street, Forestville, NY 14062	View Lobby Hours
Administrative Office	1 Grimsby Drive, Hamburg, NY 14075	View Lobby Hours
Lockport Branch	5688 South Transit Road, Lockport, NY 14094	View Lobby Hours
Cortland Walmart Branch	819 Bernie Road (Route 13), Cortland, NY 13045	View Lobby Hours
Grand Gorge Branch	Rte 23 & 30, Grand Gorge, NY 12434	View Lobby Hours
Speculator Branch	Routes 8 And 30, Speculator, NY 12164	View Lobby Hours
Tully Branch	5789 Route 80, Tully, NY 13159	View Lobby Hours
Lords Valley Branch	114 Village Center Drive, Lords Valley, PA 18428	View Lobby Hours
Canastota Branch	Route 5 And Stroud Street, Canastota, NY 13032	View Lobby Hours
Tops Plaza Branch	Route 5 And Route 46, Oneida, NY 13421	View Lobby Hours
Mountainhome Branch	1079 Pennsylvania 390, Mountainhome, PA 18342	View Lobby Hours
Fulton Branch	Route 3 West, Fulton, NY 13069	View Lobby Hours
Great Bend Branch	Route 11 And Mountain View Plaza, Great Bend, PA 18821	View Lobby Hours
Oneonta Wall Street Branch	One Wall Street, Oneonta, NY 13820	View Lobby Hours
One Park Place Branch	300 South State Street, Syracuse, NY 13202	View Lobby Hours
Lyndon Corners Branch	Lyndon Corners Branch, De Witt, NY 13214	View Lobby Hours
Brewerton Branch	9556 Main Street, Brewerton, NY 13029	View Lobby Hours
Bainbridge Branch	9 North Main Street, Bainbridge, NY 13733	View Lobby Hours
Clifton Park	9 Clifton Country Road, Clifton Park, NY 12065	View Lobby Hours
Glens Falls	86 Glen Street, Glens Falls, NY 12801	View Lobby Hours
New Hartford Branch	8549 Seneca Turnpike, New Hartford, NY 13413	View Lobby Hours
Rome Black River Branch	853 Black River Boulevard, Rome, NY 13440	View Lobby Hours
New Milford Branch	841 Main Street, New Milford, PA 18834	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	5.769%	5.625% 1.00 points $5,083 fees	$1,843	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
Quicken Loans See Table	0.000 %	$0	Learn More More Info
Ready to access funds? Homeowners’ best kept secret for cash. Access equity on YOUR terms. It costs $0 to see how much you could get with a lender Homeowners best kept secret for cash No second mortgage needed Keep the low rate you already have It costs $0 to check your options with lenders
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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