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: 1907	0.000%	0.000% 0.00 points $0 fees	$0	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
Farmers Bank of Kansas City See Table	Intro APR 8.750 % After Intro: 8.750 %	$25,000	Learn More More Info
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV

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