Farmers & Merchants Bank of Central California - Nationwide Branches

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Branch	Address	View Lobby Hours
Manteca Branch	611 North Main Street, Manteca, CA 95336	View Lobby Hours
Turlock Branch	3700 Geer Road, Turlock, CA 95382	View Lobby Hours
Modesto Branch	2711 Mchenry Avenue, Modesto, CA 95350	View Lobby Hours
Riverbank Branch	2401 Patterson Road, Riverbank, CA 95367	View Lobby Hours
Modesto Carpenter Road Branch	1521 North Carpenter Road, Modesto, CA 95351	View Lobby Hours
Elk Grove Branch	8799 Elk Grove Boulevard, Elk Grove, CA 95624	View Lobby Hours
South Sacramento Branch	7272 Franklin Boulevard, Sacramento, CA 95823	View Lobby Hours
Cherokee Branch	530 South Cherokee Lane, Lodi, CA 95240	View Lobby Hours
Stockton Main Branch	4612 Mcgaw Street, Stockton, CA 95207	View Lobby Hours
Lodi Grape Festival Seasonal Branch	413 East Lockeford Street, Lodi, CA 95240	View Lobby Hours
Modesto Vintage Faire Branch	3500 Dale Road, Modesto, CA 95356	View Lobby Hours
Modesto Main Branch	3001 Mchenry Avenue, Modesto, CA 95350	View Lobby Hours
Merced Branch	2936 G Street, Merced, CA 95340	View Lobby Hours
Woodlake Plaza Office Branch	2401 Turner Rd, Lodi, CA 95240	View Lobby Hours
Geer Road Branch	2340 Geer Road, Turlock, CA 95380	View Lobby Hours
Lincoln Center Branch	205 Lincoln Center, Stockton, CA 95207	View Lobby Hours
Linden Branch	18836 West Main Street, Linden, CA 95236	View Lobby Hours
Hilmar Branch	19925 West First Street, Hilmar, CA 95324	View Lobby Hours
Vintner Square Branch	1387 S Lower Sacramento Road, Lodi, CA 95242	View Lobby Hours
Capitol Branch	1303 J Street, Sacramento, CA 95814	View Lobby Hours
Lodi Avenue Auto Branch	121 West Lodi Avenue, Lodi, CA 95240	View Lobby Hours
Farmers & Merchants Bank Of Central	121 West Pine Street, Lodi, CA 95240	View Lobby Hours
Turlock Main Branch	121 S Center Street, Turlock, CA 95380	View Lobby Hours
Galt Branch	1200 C Street, Galt, CA 95632	View Lobby Hours
Vineyard Branch	1020 West Kettleman Lane, Lodi, CA 95240	View Lobby Hours
Galt Village Office Branch	10330 Twin Cities Rd, Galt, CA 95632	View Lobby Hours
Concord Branch	785 Oak Grove Road, Suite H, Concord, CA 94518	View Lobby Hours
Southgate Branch	4430 Florin Road, Sacramento, CA 95823	View Lobby Hours
Manteca Messenger Service Branch	611 North Main, Manteca, CA 95336	View Lobby Hours
Modesto Messenger Service Branch	2711 Mchenry Avenue, Modesto, CA 95350	View Lobby Hours
Denair Messenger Service Branch	3700 Greer Road, Turlock, CA 95380	View Lobby Hours
Walnut Creek Branch	1330 North Broadway, Suite A, Walnut Creek, CA 94596	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	5.872%	5.750% 0.75 points $4,254 fees	$1,868	Learn More
NMLS ID: 399799	6.111%	6.000% 0.88 points $3,977 fees	$1,919	Learn More

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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]

Farmers & Merchants Bank of Central California - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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