Commercial Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
802 Fourth Ave Branch	802 Fourth Avenue, Lake Odessa, MI 48849	View Lobby Hours
Hastings Branch	629 West State Street, Hastings, MI 49058	View Lobby Hours
Commercial Bank	301 North State Street, Alma, MI 48801	View Lobby Hours
Wright Avenue Branch	1500 Wright Avenue, Alma, MI 48801	View Lobby Hours
St. Louis Branch	111 Mill Street, St. Louis, MI 48880	View Lobby Hours
Greenville West Branch	10530 W Carson City Rd, Greenville, MI 48838	View Lobby Hours
Middleton Branch	101 North Newton Street, Middleton, MI 48856	View Lobby Hours
Ithaca Branch	101 North Pine River, Ithaca, MI 48847	View Lobby Hours
Leslie Branch	810 W Bellevue Street, Leslie, MI 49251	View Lobby Hours
Cedar Street Branch	661 North Cedar Street, Mason, MI 48854	View Lobby Hours
Mason State Branch	322 South Jefferson Street, Mason, MI 48854	View Lobby Hours
Mason State Financial Center Branch	2200 Coolidge Road, Suite 14, East Lansing, MI 48826	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 2592312 License#: MC-7884	6.470%	6.375% 1.00 points $3,200 fees	$1,997	Learn More
NMLS ID: 292473	6.485%	6.375% 0.50 points $3,694 fees	$1,997	Learn More
NMLS ID: 757416	6.595%	6.500% 1.00 points $3,178 fees	$2,023	Learn More
NMLS ID: 2473786 License#: MC-7711	6.596%	6.490% 0.75 points $3,537 fees	$2,021	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 7.150 % After Intro: 7.150 %	$15,000	Learn More More Info
Available APRs range from 6.70% - 14.65%*, 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-$400K, 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
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % 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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