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Home Equity Loan Rates

One loan. Endless opportunity.

Open a home equity line of credit with a competitive rate and no closing costs today, and get the money to pay for:

  • Home Improvements
  • Debt Consolidation
  • College Tuition
  • Vacations
  • New Vehicles
  • And more

Rate Information

Family at the pool

Current Rates

INTRODUCTORY RATE

0.99% APR

FIXED FOR 6 MONTHS

 

CURRENT VARIABLE RATE AFTER INTRODUCTORY DISCOUNT PERIOD

5.00% APR*

AS LOW AS PRIME + 0.00%

 

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 $469 and $6,033 in New York. In Massachusetts, New Hampshire, Vermont and Pennsylvania, closing costs paid to third parties generally total between $351 and $673.

Introductory rates: Rates shown are as of 06/27/2018. If you qualify, you will receive the introductory 0.99% Annual Percentage Rate (APR) for 6 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 and receive a line increase of at least $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. 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.

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Loan Process

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Loan Glossary

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