Bank of the James - Nationwide Branches

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Branch	Address	View Lobby Hours
Main Street Branch	828 Main Street, Lynchburg, VA 24504	View Lobby Hours
Bank Of The James	615 Church Street, Lynchburg, VA 24504	View Lobby Hours
Fort Avenue Branch	5204 Fort Avenue, Lynchburg, VA 24502	View Lobby Hours
Westminster-Canterbury Branch	501 Ves Road, Lynchburg, VA 24503	View Lobby Hours
Boonsboro Branch	4935 Boonsboro Road, Suite C, Lynchburg, VA 24503	View Lobby Hours
Madison Heights Branch	4698 S. Amherst Highway, Madison Heights, VA 24572	View Lobby Hours
Forest Branch	17000 Forest Road, Forest, VA 24551	View Lobby Hours
Amherst Branch	164 South Main Street, Amherst, VA 24521	View Lobby Hours
Bedford Branch	1405 Old Dominion Blvd, Bedford, VA 24523	View Lobby Hours
Altavista Branch	1110 Main Street, Altavista, VA 24517	View Lobby Hours
Charlottesville Branch	1430 Rolkin Court, Suite 203, Charlottesville, VA 22911	View Lobby Hours
Westminster-Canterbury Blue Ridge Br	250 Pantops Mountain Road, Charlottesville, VA 22911	View Lobby Hours
Harrisonburg Hight Street Branch	1391 South High Street, Harrisonburg, VA 22801	View Lobby Hours
Charlottesville 5th St Station Branc	225 Merchant Walk Ave, Charlottesville, VA 22902	View Lobby Hours
Appomattox Branch	1745 Confederate Blvd, Appomattox, VA 24522	View Lobby Hours
Roanoke Electric Road Branch	3562 Electric Road, Roanoke, VA 24018	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 292473	6.232%	6.125% 0.50 points $3,643 fees	$1,945	Learn More
NMLS ID: 1067	6.325%	6.250% 0.75 points $2,547 fees	$1,971	Learn More
NMLS ID: 613839	6.395%	6.250% 1.00 points $4,915 fees	$1,971	Learn More
NMLS ID: 401822	6.494%	6.375% 0.63 points $3,995 fees	$1,997	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
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 6.490 % After Intro: 7.750 % 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]
Farmers Bank of Kansas City See Table	Intro APR 8.750 % After Intro: 8.750 %	$25,000	Learn More More Info
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV

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