NBT Bank Logo
NBT Bank - Please Upgrade Your Browser.

It appears that the version of Internet Explorer you are using to view this site is no longer supported by our enhanced website. At NBT Bank we value your security and strive to deliver the highest quality online experience. To ensure the best and most secure performance we recommend upgrading to the latest version of Internet Explorer, Mozilla Firefox or Google Chrome.

Please visit Microsoft.com, Google.com, or Mozilla.org to download the current version(s).

To directly access an account login page please use the links below:
NBT Online Banker | eStatements | StrataWeb | NBT 401(k) Daily Services | NBT Remote Deposit

If you have any questions or need any assistance please contact Customer Service at 1-800-NBT-BANK.


Home Equity Loan Rates

Product

Annual Percentage Rate (APR)

Apply

Home Equity Line of Credit

INTRODUCTORY
RATE

0.25% APR

FIXED FOR
4 MONTHS

CURRENT VARIABLE
RATE AFTER
INTRODUCTORY
DISCOUNT PERIOD

3.75% APR*

AS LOW AS
PRIME - 0.25%

 

APPLY NOW

*The variable rate above reflects a discount of 0.50% for automatic payment from an NBT Bank Checking or Money Market Account and would increase if this condition is not met.

No closing costs: If you pay off and close the line of credit within 3 years, you must reimburse us the third-party fees paid in connection with opening the line. Fees paid to third parties generally total between $434 and $4,223 in New York. In Massachusetts, New Hampshire, Vermont and Pennsylvania, closing costs paid to third parties generally total between $336 and $638.

Introductory rates: Rates shown are as of 5/1/2017. If you qualify, you will receive the introductory 0.25% Annual Percentage Rate (APR) for 4 months. The APR after the introductory discount period is variable and may change monthly based upon changes in the prime rate but will not fall below 3.75% or exceed 15.90%. The Prime Rate is the highest Prime Rate published in the Wall Street Journal.

To qualify for the introductory rates: (1) the Home Equity Line of Credit must be in a first lien or a junior lien position behind an NBT Bank first mortgage on the property; (2) property must be a 1-4 family owner-occupied primary residence or single-family second home and cannot be an investment property, co-op, mobile home or manufactured housing; (3) the loan-to-value (LTV) ratio cannot exceed 80%; (4) the borrower must have an Experian FICO score of 700 or greater; (5) payments must be made via automatic deduction from an NBT Bank checking or money market account; (6) customers renewing an existing home equity line of credit from NBT Bank must be approved for an additional $10,000 to qualify for the initial Annual Percentage Rate discount. Property insurance is required and flood insurance when necessary. Title insurance is required for all loans over $250,000. The borrower must pay the title insurance premium even when NBT Bank pays the other closing costs. See your tax advisor for details on the tax deductibility of interest. Offer subject to credit and collateral approval. This is not a commitment to lend. Additional terms and conditions may apply depending on the type of collateral, FICO score and other loan terms offered or chosen.

Apply Online

chevron right image Apply Online
Loan Process

chevron right image Learn More
Loan Glossary

chevron right image Glossary


This link will take you from NBT Bank's website to a third-party location that is not controlled by NBT Bank. Please note that this new site may have a different policy on privacy, cookies, data collection and other user issues. NBT Bank does not monitor content on third-party websites and does not endorse and is not responsible for the content, guarantees, privacy policy, security, and products and services that are offered or expressed on them.

Are you sure you want to continue?

Yes No
X