Online Banking Login

  • Richmondville: 518-294-6661
  • Cobleskill: 518-234-4397
  • Schoharie: 518-295-8884

We Offer a Variety of Mortgage Products


3/3 Adjustable Rate Mortgage*

A variable rate loan that can increase or decrease every 3 YEARS with a maximum change of 2% and a maximum lifetime change of 6%.

5/5 Adjustable Rate Mortgage*

A variable rate loan that can increase or decrease every 5 YEARS with a maximum change of 2% and a maximum lifetime change of 6%.

Fixed Rate Mortgages*

With terms up to 30 years, a Fixed Rate Mortgage provides you with the security of a monthly payment that doesn't change:

  • The longer the term of your loan, the lower the monthly payments.
  • A shorter term will allow you to pay it off quicker and save more on interest costs, though your monthly payments will be higher.
  • The loan interest rate will never increase over the life of the loan.

*A minimum down payment equivalent to 15% of the purchase price of a home is required for all single family, owner occupied, primary residences. Contact a Loan Officer for additional down payment requirements on vacant land, secondary residences, non-owner occupied, construction, home equity, home equity line of credit or mobile home residences.

Construction Mortgage

Let Bank of Richmondville help you build your Dream Home! 

It is straightforward and simple:

  • Single Closing with a flexible disbursement schedule

Home Equity Line of Credit

Home Equity Lines of Credit are similar to a credit card. You are approved for a certain dollar amount over a defined term. While within the defined term you can borrow money from your line, pay the balance back down, and use it again.  Turn your home’s equity into ongoing, affordable financing:

  • NO annual fees
  • Floor Rate of 4.0%
  • PRIME RATE only

Home Equity Loan

 A Home Equity Loan is perfect for the borrowers who want a fixed, monthly payment: 

  • Make home improvements
  • Buy a new car, truck or SUV
  • Consolidate higher rate loans to save on monthly payments
  • Help finance a college education…and more

Click here for an example of Mortgage closing costs.

Credit Reports 

Free access through 2022, Click Here for information.

Meet our Loan Officers


Judy A. Bywater

Assistant Vice President & Senior Loan Officer

Judy has over 41 years of experience with the Bank of Richmondville and more than 35 years of experience and knowledge with consumer and residential mortgage lending. Judy is located in our Cobleskill Office.

During her banking career that spans more than 4 decades, Judy has established a reputation for building long term relationships with borrowers that continues to flourish long after the loan has closed.

Judy is a lifelong resident of Schoharie County.

Email Judy

Phone: 518-234-4397 ext. 1237

NMLS Originator: 518250

Michelle A. Davis

Commercial/Consumer Loan Officer

Michelle has been with the Bank of Richmondville for 24 years, with a total of 36 years banking experience. She also served as Branch Manager for both our Richmondville and Schoharie Offices. She continues to take numerous Banking Industry courses.

She continues to develop new and continuous relationships with commercial businesses as well as retail and residential mortgage customers.

Her goal is to provide the best customer service with products that best fit our customers’ needs.

Michelle continues to volunteer to help her community prosper.

Email Michelle

Phone: 518-234-4397 ext. 1237

NMLS Originator: 671469

Angela Sperbeck

Branch Manager/Loan Officer

Angela began her career with Bank of Richmondville in 2007 as a part-time teller in our Richmondville Branch.Through training programs and a hands on approach, she continued to evolve within the Bank, becoming Head Teller, a Customer Service Representative, then to Branch Manager and a Consumer Loan Officer of the Richmondville Branch.  Angela feels the seasoned and dedicated professionals of our financial institution have impacted her professional career providing her with valuable direction, knowledge and insight.

Originally from the Summit/Richmondville area, Angela has a strong focus on her banking relationship within the area we serve.

Angela believes in maintaining the hometown bank feel where customers are at home, secure, well served and the relationships we form with our customers are vital.

Email Angela

Phone: 518-294-6661

NMLS Originator: 1628670



Richmondville Office:

284 Main Street
PO Box 130
Richmondville, NY 12149
(518) 294-6661


Cobleskill Office:

857 East Main Street
PO Box 40
Cobleskill, NY 12043
(518) 234-4397


Schoharie Office:

428 Main Street
PO Box 488
Schoharie, NY 12157
(518) 295-8884