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

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We Offer a Variety of Mortgage Products


3/3 Adjustable Rate Mortgage*

With terms up to 30 years, a variable rate loan that can increase or decrease every 3 YEARS with a maximum per change of 2% and a maximum lifetime change of 6%.

5/5 Adjustable Rate Mortgage*

With terms up to 30 years, a variable rate loan that can increase or decrease every 5 YEARS with a maximum per change of 2% and a maximum lifetime change of 6%.

10/1 Adjustable Rate Mortgage*

With terms up to 30 years, a variable rate loan that has a fixed rate for the first 10 YEARS of the loan.  The rate can then increase or decrease every year for the remaining life of the loan with a maximum per change of 2% and a lifetime maximum 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 

Click Here for more 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

Melissa Yung

Branch Manager/Loan Officer

My project

Melissa Yung is the branch manager of the Schoharie office. She has been with the bank for 20 years. Starting as a Teller and working her way up, Missie understands the many different aspects of banking. She serves as a Loan Officer, New Accounts Representative, Notary Public and every now and then, as a Teller.

Melissa lives by the golden rule, believing that you should treat others the way you
would like to be treated. Customer service is her top priority. As a lifelong native of Schoharie County, she understands the importance of community and supporting local business as she participates in many activities in the community. In her leadership role, she has created a warm and friendly environment
that makes customers feel at ease, yet still maintaining professionalism.

If you would like to discuss any banking needs, no matter how large or small, Melissa would love to speak with you.

Email Melissa

Phone: 518-295-8884

NMLS Originator: 2510332

Recent Fraud Alerts

Bank of Richmondville customers have reported receiving letters in the mail, urging them to call a number about a time sensitive matter on their mortgage warranty coverage. These letters appear to be from American Home Protect LLC and contain the line: RE: Bank of Richmondville, Purchase Date of ____ , Potential Lapse of Warranty Coverage. Bank of Richmondville is not in any way affiliated with any Warranty Companies. Should you have any questions or concerns, please contact Bank of Richmondville at 518-234-4397.

How You Can Protect Your Privacy

Identity theft is one of the fastest growing white-collar crimes. It occurs when an identity thief gains access to and uses an individual's personal identifying information without his or her knowledge in order to commit fraud or theft. To protect your privacy and minimize your risk of becoming a victim of identity theft you can take the following steps:


Personal identifying information 

• Protect personal identifying information, such as your date of birth, Social Security number, credit card numbers, bank account numbers, Personal Identification Numbers (PINs) and passwords
• Do not disclose any of your personal identifying information to any person who is not permitted to have access to your accounts.
• Do not disclose any of your personal identifying information over the telephone, through the mail or online unless you have initiated the contact or know and trust the person or company to whom it is given.

Credit, Debit and ATM Cards

• Carry only the most used credit cards and debit cards
• Cancel cards you do not use
• Keep receipts from card transactions
• Sign new cards as soon as you receive them
• Immediately report lost/stolen cards
• Never dispose of ATM/debit receipts in public receptacles. Shred them at home 
• Keep a list of all your card information (account number, expiration dates, credit limits, and telephone numbers of all customer service of fraud departments. Store the list in a safe place.


Credit Reports

• Annually, order a copy of your credit report and review it for accuracy 
• Review your credit report for unauthorized purchases, bank accounts and credit cards
• Look for anything suspicious in the section of your credit card report that lists who has received a copy of your credit history Pin and Password 
• Memorize your PINs and passwords and keep them confidential
• Frequently change your password
• You may change your NetTeller ID by modifying login information located in the Options tab
• Avoid carrying PINs and passwords in your wallet or purse or keep them near credit cards, debit cards, ATM cards or checkbook



• Promptly remove mail from your mail box
• Deposit outgoing mail in post office collection box


Internet and Telephone Solicitations 

• Be suspicious of any offer made by telephone, on the web or in an email, that seems too good to be true
• Before responding to a telephone or Internet offer, make sure the person or business making the offer is legitimate
• Bank of Richmondville never requests customer’s bank card number, account number, Social Security number, Personal Identification Number (PIN) or password through email. If you should receive an email requesting such information that  appears to be from Bank of Richmondville, do not respond to the email and contact Bank of Richmondville at (518) 234-4397


Financial Statements

• Contact your financial institution immediately if a bank account or card statements do not arrive on time 
• Review your financial statements promptly and immediately report any discrepancy or any unauthorized transactions


Additional Considerations

• Use common sense and be suspicious when things do not appear right
• Question any proposed transaction that requires you to send an advance payment or deposit by wire transfer
• Call Bank of Richmondville at (518) 234-4397 if you believe that you are a victim of identity theft involving one of your Bank of Richmondville accounts 



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Employment and Career Opportunities

At Bank of Richmondville, we seek knowledgeable professionals who share our values of integrity and superior customer service. Bank of Richmondville has a rich history and our highly qualified employees are the foundation of over 125 years of success.

Our commitment to exceptional customer service and personal, consultative approach to banking are what set us apart from other banks. In order to fulfill this commitment we want to attract and keep the most capable and skilled people, regardless of race, age, gender, ethnic origin, sexual orientation, disability or religion. We build strength with diversity and encourage employees to draw from each other's experience to become more valuable individuals who will ultimately provide our customers with that quality service and superior customer satisfaction. We occasionally have openings that provide individuals with opportunities for growth and development.

We offer a full range of employee benefits and are an Equal Opportunity Employer.

Connect with Bank of Richmondville

If you enjoy being part of a team that takes pride in providing exceptional service, we invite you to talk to us.

E-mail your resume (in Microsoft Word or PDF format) to This email address is being protected from spambots. You need JavaScript enabled to view it..

Current Openings

Technology Generalist



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