Bank of the West - Nationwide Branches

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Branch	Address	View Lobby Hours
Eastridge Branch	1401 Oakdale Road, Modesto, CA 95355	View Lobby Hours
Sandy Branch	140 West 9000 South, Sandy City, UT 84070	View Lobby Hours
San Ramon Branch	140 Sunset Drive, San Ramon, CA 94583	View Lobby Hours
Elbow Lake Branch	14 Central Ave S, Elbow Lake, MN 56531	View Lobby Hours
Craig Branch	139 East Victory Way, Craig, CO 81625	View Lobby Hours
Havana Gardens	1389 South Havana, Aurora, CO 80012	View Lobby Hours
Heather Gardens Branch	13781 East Yale Avenue, Aurora, CO 80014	View Lobby Hours
138th & Q Branch	13737 Q Street, Omaha, NE 68137	View Lobby Hours
Hot Springs Branch	137 South Chicago Street, Hot Springs, SD 57747	View Lobby Hours
Milpitas Branch	1360 East Calaveras Blvd, Milpitas, CA 95035	View Lobby Hours
Omaha Plaza West Branch	13525 California Street, Omaha, NE 68154	View Lobby Hours
Eagle Run Branch	13506 West Maple Street, Omaha, NE 68164	View Lobby Hours
Omaha Plaza East Branch	13505 California Street, Omaha, NE 68154	View Lobby Hours
Corsica Branch	135 Main Street, Corsica, SD 57328	View Lobby Hours
Auburn Branch	13422 Lincoln Way, Auburn, CA 95603	View Lobby Hours
Oakdale Branch	134 Maag Avenue, Oakdale, CA 95361	View Lobby Hours
Wealth Management Group Branch	1333 North California Boulevard, Walnut Creek, CA 94596	View Lobby Hours
La Habra Branch	1330 S. Beach Boulevard, Suite A, La Habra, CA 90631	View Lobby Hours
Fremont - East 23rd Branch	1330 East 23rd Street, Fremont, NE 68025	View Lobby Hours
Lockeford Branch	13299 East Highway 88, Lockeford, CA 95237	View Lobby Hours
Mayer Branch	13275 Central Avenue, Mayer, AZ 86333	View Lobby Hours
132nd & California Branch	13220 California Street, Omaha, NE 68154	View Lobby Hours
Sanger Branch	1321 Jensen Avenue, Sanger, CA 93657	View Lobby Hours
Calistoga Branch	1317 Lincoln Avenue, Calistoga, CA 94515	View Lobby Hours
Novato Branch	1313 Grant Avenue, Novato, CA 94945	View Lobby Hours
Nampa Branch	1313 Caldwell Boulevard, Nampa, ID 83651	View Lobby Hours
Benson Branch	1302 Atlantic Avenue, Benson, MN 56215	View Lobby Hours
Oregon City Branch	1301 Molalla Avenue, Oregon City, OR 97045	View Lobby Hours
Garden City	1301 East Kansas Avenue, Garden City, KS 67846	View Lobby Hours
Oliver Road Branch	1300 Oliver Road,, Fairfield, CA 94533	View Lobby Hours
Sterling Branch	130 North Third Street, Sterling, CO 80751	View Lobby Hours
Garden Grove Branch	12976 Main Street, Garden Grove, CA 92840	View Lobby Hours
Arvada - West	12880 West 64th Avenue, Arvada, CO 80004	View Lobby Hours
Waterford Branch	12710 Bentley Street, Waterford, CA 95386	View Lobby Hours
Orosi Branch	12790 Avenue 416, Orosi, CA 93647	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: 399799	6.111%	6.000% 0.88 points $3,977 fees	$1,919	Learn More
NMLS ID: 3030		points fees		Learn More

See More Mortgage Rates →

Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Home Equity Line of Credit - Equal Housing Lender Loans Amounts from $25,000 - $500,000 Get a HELOC from PenFed to Put Your Home Equity to Work HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans
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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