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: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 2578474	5.840%	5.750% 0.63 points $3,130 fees	$1,868	Learn More
NMLS ID: 2059741	5.914%	5.875% 0.38 points $1,341 fees	$1,893	Learn More
NMLS ID: 449401	6.090%	6.090% 0.00 points $0 fees	$1,938	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart Home Lending 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 dba Upstart Home Lending. 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
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$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
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
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
Splash Financial See Table	Intro APR 7.250 % After Intro: 7.250 % Intro Period: 8 months	$25,000	Learn More More Info
This rate is variable and will fluctuate with the Prime Rate as published in the Wall Street Journal. Variable Annual Percentage Rate (APR) for first and second lien position home equity lines of credit will vary with the Prime Rate as published in the Wall Street Journal. As of 11/4/2025, the variable rate for new home equity lines of credit is Prime – 0.25% to Prime + 2.50% (6.75% APR to 9.50% APR). Your rate will not exceed 18.000% APR. Making minimum interest-only payments will not pay down your principal. An annual fee of $100 will apply every year after the first year from the date of funding. Not all applicants are eligible for the maximum line of credit amount or the maximum combined loan to value (LTV). The property type, applicant creditworthiness, verified income, and third party property valuation all may affect eligibility. Maximum LTV ratios of 90%, 80% or 70% apply depending on creditworthiness and property eligibility. Offer available for owner-occupied, 1-4 unit residential properties only. For HELOC amounts at and above $100,000, Splash requires an initial draw of at least $75,000. For line amounts less than $100,000, you must draw at least 75% initially. Additional draw amounts are subject to lender minimums. To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Borrow up to $500,000 Apply 100% online in minutes with a user-friendly platform Check your rate without affecting your credit ** Tap into home equity today
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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