NBT Bank, National Association - Nationwide Branches

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Branch	Address	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
New Paltz Branch	275 Main St., New Paltz, NY 12561	View Lobby Hours
Newburgh Branch	52 Route 17k, Suite 201, Newburgh, NY 12550	View Lobby Hours
Poughkeepsie Branch	2064 New Hackensack Road, Poughkeepsie, NY 12603	View Lobby Hours
Riverside Main Off	11 Garden Street, Poughkeepsie, NY 12601	View Lobby Hours
Fishkill Branch	1004 Main Street, Fishkill, NY 12524	View Lobby Hours
Millerton New York Branch	87 Main Street, Millerton, NY 12546	View Lobby Hours
Sheffield Branch	640 North Main Street, Sheffield, MA 1257	View Lobby Hours
South Egremont Branch	51 Main Street, South Egremont, MA 1258	View Lobby Hours
Dover Village Plaza Branch	5 Dover Village Plaza, Dover Plains, NY 12522	View Lobby Hours
Salisbury Bank And Trust Company	5 Bissell St, Lakeville, CT 6039	View Lobby Hours
Salisbury Branch	18 Main Street, Salisbury, CT 6068	View Lobby Hours
The Canaan National Bank Branch	100 Main Street, Canaan, CT 6018	View Lobby Hours
Sharon Branch	5 Gay Street, Sharon, CT 6069	View Lobby Hours
Gt. Barrington Office	210 Main Street, Great Barrington, MA 1230	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1835285	6.356%	6.250% 0.63 points $3,600 fees	$1,971	Learn More
NMLS ID: 2059741	6.507%	6.375% 0.75 points $4,442 fees	$1,997	Learn More
NMLS ID: 757416	6.583%	6.490% 1.00 points $3,110 fees	$2,021	Learn More
NMLS ID: 1025894	6.593%	6.490% 0.88 points $3,433 fees	$2,021	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
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
Figure Home Equity See Table	Intro APR 7.350 % After Intro: 7.350 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, 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-$400K, 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 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, 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 are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.75% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). 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 and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, 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. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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