NBT Bank, National Association - Nationwide Branches

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Branch	Address	View Lobby Hours
Canton Branch	5 Park Place, Canton, NY 13617	View Lobby Hours
Guilderland Branch	5 New Karner Road, Guilderland, NY 12084	View Lobby Hours
Duanesburg Branch	4957 Western Turnpike, Duanesburg, NY 12056	View Lobby Hours
Windham Branch	49 State Route 296, Windham, NY 12496	View Lobby Hours
Plattsburg Branch	482 Route 3, Plattsburg, NY 12901	View Lobby Hours
The Kingston Branch	455 Market Street, Kingston, PA 18704	View Lobby Hours
Schenectady Branch	433 State Street, Schenectady, NY 12305	View Lobby Hours
East Greenbush	425 Columbia Turnpike, Rensselaer, NY 12144	View Lobby Hours
Fort Plain Branch	41 Canal Street, Fort Plain, NY 13339	View Lobby Hours
Mountaintop Branch	4 North Mountain Boulevard, Mountain Top, PA 18707	View Lobby Hours
Herkimer Branch	399 East Albany Street, Herkimer, NY 13350	View Lobby Hours
Drive-In Branch	38-40 Utica Street, Hamilton, NY 13346	View Lobby Hours
Keene Branch	391 West Street, Keene, NH 3431	View Lobby Hours
Vail Mills Branch	3711 State Highway 30, Broadalbin, NY 12025	View Lobby Hours
Montrose Branch	36 Public Avenue, Montrose, PA 18801	View Lobby Hours
Mount Pocono Branch	99 Pa 940, Mount Pocono, PA 18344	View Lobby Hours
Fonda Branch	34 West Main Street, Fonda, NY 12068	View Lobby Hours
Malone Branch	3392 State Route 11, Malone, NY 12953	View Lobby Hours
Johnson City Branch	331 Main Street, Johnson City, NY 13790	View Lobby Hours
North Adams Branch	331 State Road, North Adams, MA 1247	View Lobby Hours
Clarks Green Branch	318 East Grove Street, Clarks Green, PA 18411	View Lobby Hours
Vestal Branch	3121 Vestal Parkway East, Vestal, NY 13851	View Lobby Hours
Northville Branch	312 Bridge Street, Northville, NY 12134	View Lobby Hours
West Branch	30 West Utica Street, Oswego, NY 13126	View Lobby Hours
Sherburne Branch	30 North Main Street, Sherburne, NY 13460	View Lobby Hours
Archbald Branch	3 Kennedy Drive, Archbald, PA 18403	View Lobby Hours
Middleburg Branch	305 Main Street Suite 2, Middleburg, NY 12122	View Lobby Hours
Whitney Branch	2950 Us Highway 11, Whitney Point, NY 13862	View Lobby Hours
Saratoga Springs Branch	295 Broadway, Saratoga Springs, NY 12866	View Lobby Hours
Choconut Branch	29 Quaker Lake Road, Friendsville, PA 18818	View Lobby Hours
Ogdensburg Branch	2800 Ford Street Extension, Ogdensburg, NY 13669	View Lobby Hours
Cincinnatus Branch	2743 Route 26, Cincinnatus, NY 13040	View Lobby Hours
Schoharie Branch	271 Main Street, Schoharie, NY 12157	View Lobby Hours
Utica Financial Center Branch	270 Genesee Street, Utica, NY 13502	View Lobby Hours
Maine Branch	2647 Main Street, Maine, NY 13802	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 401822	6.770%	6.625% 0.88 points $4,795 fees	$2,049	Learn More
NMLS ID: 401822		points fees		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
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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