Rates effective 12/29/2025

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.

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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 5.875% initial interest rate, the APR for this loan type is 5.998%.
Monthly payment schedule would be:

• 360 payments of $591.54

20 Year Fixed

At a 5.625% initial interest rate, the APR for this loan type is 5.817%.
Monthly payment schedule would be:

• 240 payments of $694.97

15 Year Fixed

At a 5.375% initial interest rate, the APR for this loan type is 5.613%.
Monthly payment schedule would be:

• 180 payments of $810.47

10 Year – 6 Month ARM

An ARM is a variable rate loan. Interest rates and payments may increase over the term of the loan. On a 10/6 ARM, the interest rate is fixed for 10 years. After that your rate could change every six months, up to the lifetime cap of +5.00%. The term of the loan can be 15-30 years. At a 5.625% initial interest rate, the APR for this loan type is 6.266%. Based on the current Index Plus Margin*, the initial monthly payment schedule would be:

• 120 payments of $575.66

5 Year – 6 Month ARM

An ARM is a variable rate loan. Interest rates and payments may increase over the term of the loan. On a 5/6 ARM, the interest rate is fixed for 5 years. After that your rate could change every six months, up to the lifetime cap of +5.00%. The term of the loan can be 10-30 years. At a 5.125% initial interest rate, the APR for this loan type is 6.448%. Based on the current Index Plus Margin*, the initial monthly payment schedule would be:

• 60 payments of $544.49

*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.