Rates effective 4/23/2025

Rates shown above reflect a 0.125% discount and require an NBT Bank checking/money market account with auto deduction payment. Loans not using an NBT checking/money market account will be subject to higher rates than posted.

Important Loan Information

Rates are subject to change without notice. Advertised rates are based on a purchase money mortgage loan with a 25% down payment and a minimum FICO credit score of 780. Lower down payment options are available.

The following payment examples assume a loan amount of $100,000. Payments do not include amounts for taxes and insurance premiums and the actual payments will be higher.

30 Year Fixed

At a 6.625% initial interest rate, the APR for this loan type is 6.753%.
Monthly payment schedule would be:

• 360 payments of $640.31

15 Year Fixed

At a 6.125% initial interest rate, the APR for this loan type is 6.374%.
Monthly payment schedule would be:

• 180 payments of $877.99

20 Year Fixed

At a 6.375% initial interest rate, the APR for this loan type is 6.576%.
Monthly payment schedule would be:

• 240 payments of $767.81

5 Year – 6 Month ARM

An ARM is a variable rate loan. Interest rates and payments may increase over the term of the loan. At a 5.875% initial interest rate, the APR for this loan type is 6.744%. Based on the current Index Plus Margin*, monthly payment schedule would be:

• 60 payments of $591.54
• 300 payments of $673.72

*The Index is the yield on the New York Fed 30-Day Average Secured Overnight Financing Rate (SOFR) Adjusted to a Constant Maturity of 6-months as published in the Wall Street Journal, plus a margin of 2.75% subject to a 1% annual cap and 5% lifetime adjustment cap.