First Financial Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Fm 1488 Branch	5424 Fm 1488, Magnolia, TX 77354	View Lobby Hours
Loop Branch	2201 Westview Boulevard, Conroe, TX 77304	View Lobby Hours
First Bank National Association Bran	1800 West White Oak Boulevard, Conroe, TX 77304	View Lobby Hours
Montgomery Branch	14125 Liberty Street, Montgomery, TX 77316	View Lobby Hours
Cut And Shoot Branch	11399 Highway 105 East, Conroe, TX 77303	View Lobby Hours
Willis Branch	10521 Fm 1097 West, Willis, TX 77318	View Lobby Hours
The City State Bank Of Palacios Bran	459 Main Street, Palacios, TX 77465	View Lobby Hours
Rising Star Branch	West College And Anderson Streets, Rising Star, TX 76471	View Lobby Hours
First Financial Hereford Branch	Third And Sampson Streets, Hereford, TX 79045	View Lobby Hours
Newton Branch	Rusk And Magnolia Streets, Newton, TX 75966	View Lobby Hours
First And Concho Branch	North First And Concho, Roby, TX 79543	View Lobby Hours
Highway 12 And Johnson Road Branch	Highway 12 And Johnson Road, Mauriceville, TX 77626	View Lobby Hours
960 North Main Street Branch	960 North Main Street, Vidor, TX 77662	View Lobby Hours
Trophy Club Branch	95 Trophy Club Drive, Trophy Club, TX 76262	View Lobby Hours
United Branch	920 North Willis, Abilene, TX 79603	View Lobby Hours
Bridgeport Branch	909 Stevens Street, Bridgeport, TX 76426	View Lobby Hours
Keller Branch	891 Keller Parkway, Suite 100, Keller, TX 76248	View Lobby Hours
Port Arthur Branch	8535 Central Mall Dr, Port Arthur, TX 77642	View Lobby Hours
Orange Savings Bank, Ssb Branch	812 Sixteenth Street, Orange, TX 77630	View Lobby Hours
Clyde Branch	718 Elm Street, Clyde, TX 79510	View Lobby Hours
Detached Drive-In Facility	701 North Pine, Abilene, TX 79601	View Lobby Hours
Boyd Branch	609 East Rock Island, Boyd, TX 76023	View Lobby Hours
Decatur Branch	608 West Hale Ave, Decatur, TX 76234	View Lobby Hours
First Financial Bank, N.A.	1000 Forest Park Blvd, Fort Worth, TX 76110	View Lobby Hours
Aledo Branch	505 Farm Road 1187 North, Aledo, TX 76008	View Lobby Hours
Walmart Branch	4350 Southwest Drive, Abilene, TX 79606	View Lobby Hours
Buffalo Gap Road Branch	4320 Buffalo Gap Road, Abilene, TX 79605	View Lobby Hours
Willow Park Branch	4100 E I-20 South Service Rd, Willow Park, TX 76087	View Lobby Hours
First Financial Cleburne Branch	403 North Main Street, Cleburne, TX 76031	View Lobby Hours
Drive-In Branch	403 North Main & Herd Street, Cleburne, TX 76031	View Lobby Hours
First Financial Bank, National Association	400 Pine Street, Abilene, TX 79601	View Lobby Hours
Moran Branch	400 Ground Street, Moran, TX 76464	View Lobby Hours
First Financial Bank, N.A./ Glen Rose Branch	400 Big Bend Trail, Glen Rose, TX 76043	View Lobby Hours
Southwest Branch	3471 Knickerbocker Road, San Angelo, TX 76904	View Lobby Hours
Sherwood Way - San Angelo Branch	3301 Sherwood Way, San Angelo, TX 76901	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: 2578474	5.862%	5.750% 0.88 points $3,930 fees	$1,868	Learn More
NMLS ID: 408902	5.863%	5.750% 0.88 points $3,963 fees	$1,868	Learn More
NMLS ID: 1845138 License#: B-184511	5.921%	5.875% 0.50 points $1,673 fees	$1,893	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 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.
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
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will 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. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
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
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: 7.250 % 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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