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	6.770%	6.625% 0.88 points $4,795 fees	$2,049	Learn More
NMLS ID: 3030		points fees		Learn More
NMLS ID: 401822		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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