Bank of Stockton - Nationwide Branches

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Branch	Address	View Lobby Hours
Lone Tree Way Branch	6590 Lone Tree Way, Brentwood, CA 94513	View Lobby Hours
Fairfield Branch	2407 Waterman Boulevard, Fairfield, CA 94533	View Lobby Hours
Napa Branch	1505 Second Street, Napa, CA 94559	View Lobby Hours
Pine Grove Branch	20004 State Highway 88, Pine Grove, CA 95665	View Lobby Hours
Carson Oaks Branch	6808 Pacific Avenue, Stockton, CA 95207	View Lobby Hours
Elk Grove Commerce Bank, A Division Of Bank Of Stockton	8150 Laguna Boulevard, Elk Grove, CA 95758	View Lobby Hours
Manteca Branch	660 North Main Street, Manteca, CA 95336	View Lobby Hours
Quail Lakes Delta Branch	4515 Quail Lakes Drive, Stockton, CA 95207	View Lobby Hours
Dale Road Branch	4204 Dale Road, Modesto, CA 95354	View Lobby Hours
Oakdale Branch	1376 East 'f' Street, Oakdale, CA 95361	View Lobby Hours
Bank Of Stockton	301 East Miner Avenue, Stockton, CA 95202	View Lobby Hours
Washington And Church	242 South Washington Street, Sonora, CA 95370	View Lobby Hours
Ripon Branch	234 West Main Street, Ripon, CA 95366	View Lobby Hours
Rio Vista Branch	230 Main Street, Rio Vista, CA 94571	View Lobby Hours
Angels Camp Branch	229 South Main Street, Angels Camp, CA 95222	View Lobby Hours
Golden State Branch	134 S. Golden State Blvd., Turlock, CA 95380	View Lobby Hours
Modesto Branch	1302 J Street, Modesto, CA 95354	View Lobby Hours
Lodi Branch	120 West Walnut Street, Lodi, CA 95240	View Lobby Hours
Tracy Branch	1175 North Tracy Boulevard, Tracy, CA 95376	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 292473	5.881%	5.750% 0.75 points $4,565 fees	$1,868	Learn More
NMLS ID: 399799	6.112%	6.000% 0.88 points $4,015 fees	$1,919	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Quicken Loans See Table	0.000 %	$0	Learn More More Info
Ready to access funds? Homeowners’ best kept secret for cash. Access equity on YOUR terms. It costs $0 to see how much you could get with a lender Homeowners best kept secret for cash No second mortgage needed Keep the low rate you already have It costs $0 to check your options with lenders
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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