Bank of the West - Nationwide Branches

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Branch	Address	View Lobby Hours
Roseville Branch	1112 Galleria Boulevard, Suite 170, Roseville, CA 95678	View Lobby Hours
Cupertino Branch	11111a N. Wolfe Rd., Cupertino, CA 95014	View Lobby Hours
El Cerrito Branch	11100 San Pablo Avenue, El Cerrito, CA 94530	View Lobby Hours
Stanton Branch	11051 Beach Boulevard, Stanton, CA 90680	View Lobby Hours
Montrose	1105 S. Townsend Ave., Montrose, CO 81401	View Lobby Hours
Milwaukie Branch	11050 S.E. Mcloughlin Boulevard, Milwaukie, OR 97222	View Lobby Hours
Edmond Branch	1101 North Santa Fe Avenue, Edmond, OK 73003	View Lobby Hours
Bridgeport Branch	10th & Main Street, Bridgeport, NE 69336	View Lobby Hours
Blaine Branch	10930 Club West Parkway, Blaine, MN 55449	View Lobby Hours
Carroll	109 East 7th Street, Carroll, IA 51401	View Lobby Hours
Kremmling Branch	108 South Second, Kremmling, CO 80459	View Lobby Hours
Lamoni	108 East Main Street, Lamoni, IA 50140	View Lobby Hours
Fort Collins - Horsetooth Branch	1075 West Horsetooth Road, Fort Collins, CO 80526	View Lobby Hours
Clive Branch	1070 73rd St, Clive, IA 50324	View Lobby Hours
Breckenridge Branch	106 North French Street, Breckenridge, CO 80424	View Lobby Hours
Hayward Branch	1058 B Street, Hayward, CA 94541	View Lobby Hours
Monterey - Del Monte Branch	1050 Del Monte Center, Monterey, CA 93940	View Lobby Hours
Bloomfield	105 North Washington Street, Bloomfield, IA 52537	View Lobby Hours
Corcoran Branch	1045 Whitley Avenue, Corcoran, CA 93212	View Lobby Hours
Richland Branch	1045 George Washington Way, Richland, WA 99352	View Lobby Hours
Westland	10425 West Colfax Avenue, Lakewood, CO 80215	View Lobby Hours
Aurora Branch	10401 East Colfax Avenue, Aurora, CO 80010	View Lobby Hours
Gettysburg Branch	104 North Exene Street, Gettysburg, SD 57442	View Lobby Hours
Northglenn	10393 N. Huron, Northglenn, CO 80260	View Lobby Hours
Santa Barbara Main Branch	1036 State Street, Santa Barbara, CA 93101	View Lobby Hours
Santa Ana Branch	103 East Memory Lane, Santa Ana, CA 92705	View Lobby Hours
Meeteetse Branch	1026 Park Avenue, Meeteetse, WY 82433	View Lobby Hours
Worthington Main Branch	1027 Fourth Avenue, Worthington, MN 56187	View Lobby Hours
Wheaton Branch	1024 Broadway, Wheaton, MN 56296	View Lobby Hours
Downey Branch	10230 South Paramount Boulevard, Downey, CA 90241	View Lobby Hours
First Willow Branch	1010 South First Street, San Jose, CA 95110	View Lobby Hours
Globe Branch	101 S Broad Street, Globe, AZ 85501	View Lobby Hours
Mabel Branch	101 East Newburg Street, Mabel, MN 55954	View Lobby Hours
Cottonwood Branch	10050 Coors Bypass Boulevard, N.W., Albuquerque, NM 87114	View Lobby Hours
Benicia Branch	1001 First Street, Benicia, CA 94510	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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