Bank of the Sierra - Nationwide Branches

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Branch	Address	View Lobby Hours
Ojai Community Bank Main Office Bran	402 West Ojai Avenue, Ojai, CA 93023	View Lobby Hours
Santa Clara Valley Bank Main Office	901 East Main Street, Santa Paula, CA 93060	View Lobby Hours
Filmore Branch	527 Sespe Avenue, Fillmore, CA 93015	View Lobby Hours
Valencia Branch	26328 Citrus Avenue, Valencia, CA 91355	View Lobby Hours
Coast National Bank Main Office Bran	500 Marsh Street, San Luis Obispo, CA 93401	View Lobby Hours
Paso Robles Branch	1207 Spring Street, Paso Robles, CA 93446	View Lobby Hours
Arroyo Grande Branch	1360 East Grand Avenue, Arroyo Grande, CA 93420	View Lobby Hours
Woodlake Branch	232 North Valencia Street, Woodlake, CA 93286	View Lobby Hours
Www.Bankofthesierra.com Branch	Po Box 1930, Porterville, CA 93258	View Lobby Hours
Bank Of The Sierra	90 North Main Street, Porterville, CA 93257	View Lobby Hours
California City Branch	8031 California City Boulevard, California City, CA 93505	View Lobby Hours
Shaw Avenue Branch	636 E. Shaw Avenue, Fresno, CA 93710	View Lobby Hours
Sunnyside Branch	5775 E. Kings Canyon Avenue, Fresno, CA 93727	View Lobby Hours
Hanford Branch	427 West Lacey Boulevard, Hanford, CA 93230	View Lobby Hours
Three Rivers Branch	40884 Sierra Drive, Three Rivers, CA 93271	View Lobby Hours
Dinuba Branch	401 East Tulare Street, Dinuba, CA 93618	View Lobby Hours
Riverlakes Branch	4060 Coffee Road, Bakersfield, CA 93309	View Lobby Hours
Farmersville Branch	400 West Visalia Road, Farmersville, CA 93223	View Lobby Hours
Visalia Branch	2515 South Mooney Boulevard, Visalia, CA 93291	View Lobby Hours
East Hills Branch	2501 Mt. Vernon Ave, Bakersfield, CA 93306	View Lobby Hours
Tulare Branch	246 E Tulare Avenue, Tulare, CA 93274	View Lobby Hours
Selma Branch	2450 Mccall Avenue, Selma, CA 93662	View Lobby Hours
Old Town Branch	21000 Mission Street, Tehachapi, CA 93561	View Lobby Hours
Tehachapi Main Branch	224 West F Street, Tehachapi, CA 93561	View Lobby Hours
Clovis Branch	1835 East Shaw Ave, Clovis, CA 93611	View Lobby Hours
Bakersfield Ming Branch	1621 Mill Rock Way, Bakersfield, CA 93311	View Lobby Hours
West Olive Branch	1498 West Olive Avenue, Porterville, CA 93257	View Lobby Hours
Tulare Prosperity Branch	1430 East Prosperity Avenue, Tulare, CA 93274	View Lobby Hours
Lindsay Branch	142 South Mirage, Lindsay, CA 93247	View Lobby Hours
Visalia Downtown Branch	128 East Main Street, Visalia, CA 93291	View Lobby Hours
Delano Branch	1126 Main Street, Delano, CA 93216	View Lobby Hours
Exeter Branch	1103 West Visalia Road, Exeter, CA 93221	View Lobby Hours
Reedley Branch	1095 W. Manning Street, Reedley, CA 93654	View Lobby Hours
Santa Barbara Branch	21 E. Carrillo Street, Santa Barbara, CA 93101	View Lobby Hours
Sanger Branch	1500 Seventh Street, Sanger, CA 93657	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: 6606	6.092%	6.000% 1.00 points $3,162 fees	$1,919	Learn More
NMLS ID: 401822	6.116%	6.000% 0.63 points $3,995 fees	$1,919	Learn More
NMLS ID: 1025894	6.209%	6.125% 0.63 points $2,850 fees	$1,945	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873. As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
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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