NBT Bank, National Association - Nationwide Branches

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Branch	Address	View Lobby Hours
Massena Branch	264 Main Street, Massena, NY 13662	View Lobby Hours
Lake Placid Branch	2483 Main Street, Lake Placid, NY 12946	View Lobby Hours
Queensbury Branch	242 Quaker Road, Queensbury, NY 12804	View Lobby Hours
Canajoharie Branch	20 Mohawk Street, Canajoharie, NY 13317	View Lobby Hours
Halfmoon Branch	225 Guideboard Road, Halfmoon, NY 12065	View Lobby Hours
Nashua Branch	221 Main Street, Nashua, NH 3060	View Lobby Hours
Steamtown Mall Branch	300 Lackawanna Avenue, Scranton, PA 18503	View Lobby Hours
Milford Branch	214 West Harford Street, Unit 1, Milford, PA 18337	View Lobby Hours
Saranac Lake Branch	209 Lake Flower Avenue, Saranac Lake, NY 12983	View Lobby Hours
Elmhurst Branch	207 State Route 435, Elmhurst Township, PA 18444	View Lobby Hours
New Berlin Branch	2 South Main Street, New Berlin, NY 13411	View Lobby Hours
Earlville Branch	2 South Main Street, Earlville, NY 13332	View Lobby Hours
Newark Valley Branch	2 North Main Street, Newark Valley, NY 13811	View Lobby Hours
Lenox Ma Branch	2 Holmes Road, Lenox, MA 1240	View Lobby Hours
Essex Branch	2 Commonwealth Avenue, Essex Junction, VT 5452	View Lobby Hours
Cooperstown Branch	2 Commons Drive, Cooperstown, NY 13326	View Lobby Hours
Gloversville Branch	199 Second Avenue Extension, Gloversville, NY 12078	View Lobby Hours
Placid Outpost Office	1944 Saranac Avenue, Lake Placid, NY 12946	View Lobby Hours
Richfield Springs Branch	194 Main Street, Richfield Springs, NY 13439	View Lobby Hours
Backmountain Branch	183 North Memorial Hwy, Shavertown, PA 18708	View Lobby Hours
Afton Branch	182 Main Street, Afton, NY 13730	View Lobby Hours
Wilkes-Barre Boulevard Branch	171 North Wilkes Barre Boulevard, Wilkes-Barre, PA 18702	View Lobby Hours
East Side Branch	161 State Route 104, Oswego, NY 13126	View Lobby Hours
Oneida Main Branch	160 Main Street, Oneida, NY 13421	View Lobby Hours
Cherry Valley Branch	16 Main Street, Cherry Valley, NY 13320	View Lobby Hours
St. Johnsville Branch	16 West Main Street, St. Johnsville, NY 13452	View Lobby Hours
South Otselic Branch	1572 State Highway 26, South Otselic, NY 13155	View Lobby Hours
Binghamton East Side	156 Robison Street, Binghamton, NY 13904	View Lobby Hours
Burlington Branch	150 Bank Street, Burlington, VT 5401	View Lobby Hours
Hobart Branch	147 Maple Avenue, Hobart, NY 13788	View Lobby Hours
Lake Ariel Branch	1456 Lake Ariel Hwy, Lake Ariel, PA 18436	View Lobby Hours
Johnstown Branch	142 North Comrie Avenue, Johnstown, NY 12095	View Lobby Hours
Schoolside Branch	140 Brooklyn Street, Carbondale, PA 18407	View Lobby Hours
Marathon Branch	14-18 East Main Street, Marathon, NY 13803	View Lobby Hours
Endicott Branch	1310 North Street, Endicott, NY 13760	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 2059741	5.939%	5.875% 0.75 points $2,221 fees	$1,893	Learn More
NMLS ID: 6606	6.092%	6.000% 1.00 points $3,162 fees	$1,919	Learn More
NMLS ID: 401822	6.116%	6.000% 0.63 points $3,995 fees	$1,919	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873. As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
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
Achieve Loans See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
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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