Alerus Financial, National Association - Nationwide Branches

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Branch	Address	View Lobby Hours
Private Bank Of Minnesota Branch	Canadian Pacific Plaza, 120 S 6th St, Ste. 200, Minneapolis, MN 55402	View Lobby Hours
Beacon Bank, Eden Prairie Office	7890 Mitchell Road, Eden Prairie, MN 55344	View Lobby Hours
Excelsior Branch	409 Second Street, Excelsior, MN 55331	View Lobby Hours
Beacon Bank - Duluth Branch	331 West Superior Street, Duluth, MN 55802	View Lobby Hours
Duluth Branch - West Michigan Street	306 West Michigan Street, Duluth, MN 55802	View Lobby Hours
Shorewood Branch	19765 Highway 7, Shorewood, MN 55331	View Lobby Hours
Miller Hill Branch	1405 Miller Trunk Highway, Suite 500, Duluth, MN 55811	View Lobby Hours
Prosperan Bank Branch	990 Helena Street North, Oakdale, MN 55128	View Lobby Hours
West Fargo Branch	901 13th Avenue East, West Fargo, ND 58078	View Lobby Hours
Express Branch	516 Demers Avenue, Grand Forks, ND 58201	View Lobby Hours
Northwood Branch	503 Washington Ave., Northwood, ND 58267	View Lobby Hours
Alerus Financial, National Association	401 Demers Avenue, Grand Forks, ND 58201	View Lobby Hours
Fargo Branch	3137 32nd Avenue Sw, Fargo, ND 58103	View Lobby Hours
South Branch	2300 South Columbia Road, Grand Forks, ND 58201	View Lobby Hours
Thirty Second Avenue Branch	1750 32nd Avenue South, Grand Forks, ND 58201	View Lobby Hours
Scottsdale Road Branch	17045 North Scottsdale Road, Scottsdale, AZ 85255	View Lobby Hours
Broadway Branch	15 Broadway, Fargo, ND 58102	View Lobby Hours
Alerus National Association Branch	11100 Wayzata Boulevard, Minnetonka, MN 55305	View Lobby Hours
West Fargo Branch	110 Sheyenne Street, West Fargo, ND 58078	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 292473	5.769%	5.625% 1.00 points $5,083 fees	$1,843	Learn More
NMLS ID: 3030		points fees		Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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