Citizens Business Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
County Commerce Bank Branch	3260 Telegraph Road, Ventura, CA 93003	View Lobby Hours
Gonzales Branch	2400 E. Gonzales Road, Oxnard, CA 93036	View Lobby Hours
Camarillo Branch	2357-B Pickwick Drive, Camarillo, CA 93010	View Lobby Hours
Valley Business Bank Branch	701 West Main Street, Visalia, CA 93291	View Lobby Hours
Tulare Business Banking Center Branc	1901 E. Prosperity, Tulare, CA 93274	View Lobby Hours
Lancaster Branch	42548 Tenth Street West, Lancaster, CA 93534	View Lobby Hours
Laguna Niguel Branch	30100 Town Center Drive, Suite Q, Laguna Niguel, CA 92677	View Lobby Hours
Apple Valley Branch	19197 Town Center Drive, Apple Valley, CA 92307	View Lobby Hours
Newport Beach Commercial Banking Cen	1401 Dove St., Newport Beach, CA 92660	View Lobby Hours
San Marino Branch	980 Huntington Drive, San Marino, CA 91108	View Lobby Hours
South El M0nte Branch	9754 Rush Street, South El Monte, CA 91733	View Lobby Hours
Covina Branch	973 East Badillo Street, Covina, CA 91724	View Lobby Hours
South Bay Commercial Banking Center	970 W. 190th Street, Suite 120, Torrance, CA 90502	View Lobby Hours
Fontana Branch	9244 Sierra Avenue, Fontana, CA 92335	View Lobby Hours
South Pasadena Branch	901 Fair Oaks Avenue, South Pasadena, CA 91030	View Lobby Hours
La Canada Branch	858 Foothill Boulevard, La Canada, CA 91011	View Lobby Hours
Upland Branch	818 North Mountain Avenue, Upland, CA 91786	View Lobby Hours
Plaza Branch	77 Plaza Square, Orange, CA 92866	View Lobby Hours
Laguna Beach Branch	800 Glenneyre Street, Laguna Beach, CA 92651	View Lobby Hours
Fresno Business Financial Center	7110 North First Street, Fresno, CA 93720	View Lobby Hours
Citizens Business Bank	701 North Haven Avenue, Ontario, CA 91764	View Lobby Hours
Stockdale Business Financial Center	5060 California Avenue, Bakersfield, CA 93309	View Lobby Hours
Burbank Branch	4100 West Alameda Avenue, Burbank, CA 91505	View Lobby Hours
Rosedale Branch	3911 Coffee Rd Ste A, Bakersfield, CA 93308	View Lobby Hours
Riverside Branch	3695 Main Street, Riverside, CA 92501	View Lobby Hours
Tri City Branch	301 Vanderbilt Way, San Bernardino, CA 92408	View Lobby Hours
Fullerton Business Financial Center	301 N. Harbor Blvd Suite 101, Fullerton, CA 92832	View Lobby Hours
La Cbc Branch	300 S. Grand Ave. Suite 1100, Los Angeles, CA 90071	View Lobby Hours
El Segundo Branch	275 Main Street, El Segundo, CA 90245	View Lobby Hours
Brea Branch	2650 East Imperial Highway, Brea, CA 92821	View Lobby Hours
Tulare Business Financial Center Bra	1901 E. Prosperity Avenue, Tulare, CA 93274	View Lobby Hours
Spectrum Business Financial Centr	23046 Avendia De La Carlota Suite 100, Laguna Hills, CA 92653	View Lobby Hours
Corona Branch	225 West Sixth Street, Corona, CA 92882	View Lobby Hours
Madera Business Financial Center	2001 Howard Road Suite 101, Madera, CA 93637	View Lobby Hours
Santa Ana Branch	2000 East 4th Street, Suite 100, Santa Ana, CA 92705	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: 292473	5.896%	5.750% 1.00 points $5,096 fees	$1,868	Learn More
NMLS ID: 399799	6.220%	6.125% 0.63 points $3,385 fees	$1,945	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 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. Home Equity Line of Credit - Equal Housing Lender.
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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