NBT Bank, National Association - Nationwide Branches

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Branch	Address	View Lobby Hours
Whitesboro Branch	131 Oriskany Boulevard, Whitesboro, NY 13492	View Lobby Hours
Keyser Valley Scranton Branch	130 North Keyser Avenue, Scranton, PA 18504	View Lobby Hours
Sidney Branch	13 Division Street, Sidney, NY 13838	View Lobby Hours
Binghamton Branch	1256 Front Street, Binghamton, NY 13901	View Lobby Hours
Dunmore Branch	1230 O'neill Highway, Dunmore, PA 18512	View Lobby Hours
Mony Tower Branch	120 Madison Street, Mony Tower Ii, 18th Floor, Syracuse, NY 13202	View Lobby Hours
Middleville Branch	12 North Main Street, Middleville, NY 13406	View Lobby Hours
Gloversville Financial Center Branch	12 Fremont Street, Gloversville, NY 12078	View Lobby Hours
Mount Cobb Branch	1187 Mount Cobb Road, Mount Cobb, PA 18436	View Lobby Hours
North Plaza Branch	117 State Hwy 320, Norwich, NY 13815	View Lobby Hours
East Mountain Branch	117 Meadow Avenue, Scranton, PA 18505	View Lobby Hours
Greenville Branch	11567 State Route 32, Greenville, NY 12083	View Lobby Hours
Westgate Branch	1148 Erie Boulevard West, Rome, NY 13440	View Lobby Hours
South Glens Falls Branch	110 Main Street, South Glens Falls, NY 12803	View Lobby Hours
Hancock Branch	11 East Main Street, Hancock, NY 13783	View Lobby Hours
Groton Avenue Branch	1091 Groton Avenue Extension, Cortland, NY 13045	View Lobby Hours
East Stroudsburg Branch	107 Brown Street, Suite 100, East Stroudsburg, PA 18301	View Lobby Hours
Amsterdam Branch	106 Hannford Plaza, Amsterdam, NY 12010	View Lobby Hours
Sharon Springs Branch	105 Main Street Suite 1, Sharon Springs, NY 13459	View Lobby Hours
Deposit Branch	108 Second Street, Deposit, NY 13754	View Lobby Hours
Marshall Street Branch	101 Marshall Street, Syracuse, NY 13210	View Lobby Hours
Greene-Dreher Branch	1008 Main Street, Newfoundland, PA 18445	View Lobby Hours
James Street Branch	1001 James Street, Syracuse, NY 13203	View Lobby Hours
Oxford Branch	10 North Canal Street, Oxford, NY 13830	View Lobby Hours
Edmeston Branch	1 West Street, Edmeston, NY 13335	View Lobby Hours
Williston Branch	1 Taft Cornes Shopping Center, Williston, VT 5495	View Lobby Hours
Hamilton Branch	1 Madison Street, Hamilton, NY 13346	View Lobby Hours
Clinton Branch	1 Kirkland Ave., Clinton, NY 13323	View Lobby Hours
Main Regional Headquarters Branch	254 Commercial Street, Portland, ME 4101	View Lobby Hours
Pittsfield Financial Center Branch	54 North Street, Suite 101, Pittsfield, MA 1201	View Lobby Hours
Rutland Branch	122 West Street, Suite 101, Rutland, VT 5701	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: 757416	5.955%	5.875% 0.88 points $2,784 fees	$1,893	Learn More
NMLS ID: 6606	6.092%	6.000% 1.00 points $3,162 fees	$1,919	Learn More
NMLS ID: 1025894	6.209%	6.125% 0.63 points $2,850 fees	$1,945	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
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
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
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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