Pioneer Bank, National Association - Nationwide Branches

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Branch	Address	View Lobby Hours
Malta Branch	10 Kendall Way, Malta, NY 12020	View Lobby Hours
Wynantskill Branch	78 Main Avenue, Wynantskill, NY 12198	View Lobby Hours
Clifton Park Branch	843 Route 146, Clifton Park, NY 12065	View Lobby Hours
Brunswick Branch	712 Hoosick Street, Troy, NY 12180	View Lobby Hours
East Greenbush Branch	600 North Greenbush Road, Rensselaer, NY 12144	View Lobby Hours
Latham Branch	531 Troy Schenectady Road, Latham, NY 12110	View Lobby Hours
Albany Branch	90 State Street, Albany, NY 12207	View Lobby Hours
Glenmont Branch	329 Glenmont Road, Glenmont, NY 12077	View Lobby Hours
Watervliet Branch	2000 Second Avenue, Watervliet, NY 12189	View Lobby Hours
Pioneer Savings Bank	652 Albany Shaker Road, Albany, NY 12211	View Lobby Hours
Guilderland Office	1883 Western Avenue, Albany, NY 12203	View Lobby Hours
Delmar Branch	184 Delaware Avenue, Delmar, NY 12054	View Lobby Hours
Rotterdam Branch	1828 Altamont Avenue, Schenectady, NY 12303	View Lobby Hours
Colonie Branch	1761 Central Avenue, Albany, NY 12205	View Lobby Hours
Waterford Branch	142 Saratoga Avenue, Waterford, NY 12188	View Lobby Hours
Clifton Park Branch	Route 146 And Vischer Ferry Road, Clifton Park, NY 12065	View Lobby Hours
Greenville Branch	11565 Highway 32, Greenville, NY 12083	View Lobby Hours
Cairo Branch	440 Main Street, Cairo, NY 12413	View Lobby Hours
Troy Branch	21 Second Street, Troy, NY 12180	View Lobby Hours
Schenectady Branch	426 State Street, Schenectady, NY 12305	View Lobby Hours
Cohoes Branch	100 Mohawk St, Cohoes, NY 12047	View Lobby Hours
Queensbury Branch	739 Upper Glen Street, Queensbury, NY 12804	View Lobby Hours
Pioneer Commercial Bank	652 Albany Shaker Road, Albany, NY 12211	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: 399799	6.092%	6.000% 0.63 points $3,321 fees	$1,919	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
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
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]

Pioneer Bank, National Association - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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