Centennial Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Pensacola Downtown Branch	201 East Garden Street, Pensacola, FL 32502	View Lobby Hours
Heber Springs Branch	1631 Highway 25b North, Heber Springs, AR 72543	View Lobby Hours
Santa Rosa Beach Branch	1598 South County Highway 393 Suite 106, Santa Rosa Beach, FL 32459	View Lobby Hours
Plaza Branch	1445 Hogan Lane, Conway, AR 72034	View Lobby Hours
Highway 10 Branch	13910 Cantrell Road, Little Rock, AR 72223	View Lobby Hours
Searcy Branch	1300 West Beebe-Capps Expressway, Searcy, AR 72143	View Lobby Hours
Wewahitchka Branch	125 North Highway 71, Wewahitchka, FL 32465	View Lobby Hours
Key West Olde Town Branch	1229 Simonton Street, Key West, FL 33040	View Lobby Hours
Coastal Community Branch Panama City	12141 Panama City Beach Parkway, Panama City Beach, FL 32407	View Lobby Hours
Mountain View Branch	121 East Main Street, Mountain View, AR 72560	View Lobby Hours
Downtown Branch	1208 Oak Street, Conway, AR 72032	View Lobby Hours
South Pine Street Branch	1204 South Pine Street, Cabot, AR 72023	View Lobby Hours
Ward Branch	120 West North Street, Ward, AR 72176	View Lobby Hours
Marathon Branch	11290 Overseas Highway, Marathon, FL 33050	View Lobby Hours
Bristol Branch	10911 Sr 20, Bristol, FL 32321	View Lobby Hours
Vilonia Branch	1044 Main Street, Vilonia, AR 72173	View Lobby Hours
Baseline Branch	10315 Interstate 30, Little Rock, AR 72209	View Lobby Hours
15th Street Branch	101 15th Street, Mexico Beach, FL 32456	View Lobby Hours
Destin Branch	34855 Highway 98 East, Destin, FL 32541	View Lobby Hours
Big Pine Branch	101 Wilder Road, Big Pine Key, FL 33050	View Lobby Hours
Key Largo Branch	100280 Overseas Highway, Key Largo, FL 33037	View Lobby Hours
Community Bank Branch	1 City Plaza, Cabot, AR 72023	View Lobby Hours
Greenbrier Branch	#8 Business Park Drive, Greenbrier, AR 72058	View Lobby Hours
Highland Park Branch	101 Highway 412 East, Siloam Springs, AR 72761	View Lobby Hours
Highway 49 Sikes St Branch	801 East 9th Street, Rector, AR 72461	View Lobby Hours
812 North Church Branch	812 North Church, Atkins, AR 72823	View Lobby Hours
Tontitown Branch	786 East Henri De Tonti Boulevard, Tontitown, AR 72770	View Lobby Hours
Fort Smith Drive Thru Branch	6701 Boston St, Fort Smith, AR 72903	View Lobby Hours
Mh Main Branch	665 Highway 62 East, Mountain Home, AR 72653	View Lobby Hours
Daranelle Branch	600 Union Street, Dardanelle, AR 72834	View Lobby Hours
Pottsville Branch	5987 U.S. Highway 64 East, Pottsville, AR 72858	View Lobby Hours
Fort Smith Branch	4625 Old Greenwood Road, Fort Smith, AR 72903	View Lobby Hours
Liberty Bank Of Arkansas Branch	401 North Arkansas Avenue, Russellville, AR 72811	View Lobby Hours
Walnut Street Branch	4000 West Walnut, Rogers, AR 72756	View Lobby Hours
East Race Branch	3601 East Race Street, Searcy, AR 72143	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	5.737%	5.625% 0.63 points $3,941 fees	$1,843	Learn More
NMLS ID: 3030		points fees		Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line See Table	0.000 %	$0	Learn More More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000. #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses
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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