First Community Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Salem Branch	1406 S. Colorado Street, Salem, VA 24153	View Lobby Hours
Radford Branch	1400 Tyler Avenue, Radford, VA 24141	View Lobby Hours
Christiansburg Branch	109 Roanoke Street, Christiansburg, VA 24073	View Lobby Hours
Abingdon Branch	102 Wall Street Sw, Abingdon, VA 24210	View Lobby Hours
Cherry River Plaza Branch	White Avenue And Railroad Street, Richwood, WV 26261	View Lobby Hours
Grafton Branch	West Main Street, Grafton, WV 26354	View Lobby Hours
Lindside Branch	U.S. Route 219 North, Lindside, WV 24951	View Lobby Hours
Bluewell Branch	4206 Coal Heritage Road, Bluefield, WV 24701	View Lobby Hours
Cowen Branch	Route 20 And Williams River Road, Glade View, WV 26206	View Lobby Hours
East Pineville Branch	Route 10 East, Pineville, WV 24874	View Lobby Hours
Oceana Branch	Route 10 Cook Parkway, Oceana, WV 24870	View Lobby Hours
Craigsville Branch	16 Red Oak Drive, Craigsville, WV 26205	View Lobby Hours
Stafford Commons Branch	1 Stafford Commons, Princeton, WV 24740	View Lobby Hours
Fort Chiswell Branch	Ivanhoe And Fort Chiswell Roads, Max Meadows, VA 24360	View Lobby Hours
Drive-In Branch	East Main And South Kanawha Streets, Buckhannon, WV 26201	View Lobby Hours
Clintwood Branch	320 Chase Street, Clintwood, VA 24228	View Lobby Hours
Castle Rock Branch	Bank And Cedar Streets, Pineville, WV 24874	View Lobby Hours
Taylorsville Branch	92 North Center Street, Taylorsville, NC 28681	View Lobby Hours
Summersville Northside Branch	902 North Side Drive, Summersville, WV 26651	View Lobby Hours
Courthouse Branch	6951 Commons Plaza, Chesterfield, VA 23832	View Lobby Hours
East Riverside Branch	643 East Riverside Drive, Tazewell, VA 24605	View Lobby Hours
Hays Branch	5119 Mountain View Rd, Hays, NC 28635	View Lobby Hours
Emporia-Halifax	401 Halifax Street, Emporia, VA 23847	View Lobby Hours
Richlands Branch	302 Washington Square, Richlands, VA 24641	View Lobby Hours
Poeple's Community Branch	300 Sunset Drive, Johnson City, TN 37604	View Lobby Hours
Hinton Branch	298 Stokes Dr, Hinton, WV 25951	View Lobby Hours
Kerr Avenue Branch	29 South Kerr Avenue, Wilmington, NC 28403	View Lobby Hours
First Community Bank	29 College Drive, Bluefield, VA 24605	View Lobby Hours
Peoples Bank Of Virginia Branch	2702 North Parham Road, Richmond, VA 23294	View Lobby Hours
Boones Creek Branch	2681 Boones Creek Road, Johnson City, TN 37615	View Lobby Hours
Bluefield Branch	211 Federal Street, Bluefield, WV 24701	View Lobby Hours
Messenger Service Branch	211 Federal Street, Bluefield, WV 24701	View Lobby Hours
Buckhannon Branch	2 West Main Street, Buckhannon, WV 26201	View Lobby Hours
Richwood Branch	16 West Main Street, Richwood, WV 26261	View Lobby Hours
Midlothian Branch	14441 Sommerville Court, Midlothian, VA 23113	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: 1025894	6.082%	5.990% 0.75 points $3,164 fees	$1,917	Learn More
NMLS ID: 491986		points fees		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
Upstart See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873. As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
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
Achieve Loans See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.500 % 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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