First International Bank & Trust - Nationwide Branches

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Branch	Address	View Lobby Hours
Bowdon Branch	143 Warrington Avenue, Bowdon, ND 58418	View Lobby Hours
Alexander Branch	616 Oak Street, Alexander, ND 58831	View Lobby Hours
Motley Branch	Highway 10 And Beaulieu Street, Motley, MN 56466	View Lobby Hours
Killdeer Branch	Central And High Streets, Killdeer, ND 58640	View Lobby Hours
Harvey Branch	910 Lincoln Avenue, Harvey, ND 58341	View Lobby Hours
Moorhead Branch	800 30th Avenue South, Moorhead, MN 56560	View Lobby Hours
Airpark Branch	7900 East Raintree Drive, Scottsdale, AZ 85260	View Lobby Hours
Fessenden Branch	78 South Main Street, Fessenden, ND 58438	View Lobby Hours
Southwest Fargo Branch	4501 40th Avenue South, Fargo, ND 58104	View Lobby Hours
Fargo Branch	3101 North Broadway, Fargo, ND 58102	View Lobby Hours
South Branch	3001 25th Street South, Fargo, ND 58103	View Lobby Hours
Williston Cash Wise Branch	300 West 11th Street, Williston, ND 58801	View Lobby Hours
Camelback	2231 East Camelback Road, Phoenix, AZ 85016	View Lobby Hours
Elgin Branch	204 North Main, Elgin, ND 58533	View Lobby Hours
Williston Branch	19 Fourth Street E, Williston, ND 58801	View Lobby Hours
First International Bank & Trust	1628 North Higley Road, Gilbert, AZ 85234	View Lobby Hours
Minot Branch	1600 South Broadway, Minot, ND 58702	View Lobby Hours
Arrowhead Branch	150 16th Street Sw, Minot, ND 58701	View Lobby Hours
West Fargo Branch	1350 13th Avenue East, West Fargo, ND 58078	View Lobby Hours
First International Bank & Trust	1331 9th Avenue Nw, Williston, ND 58801	View Lobby Hours
Staples Branch	111 N.E. Fourth Street, Staples, MN 56479	View Lobby Hours
First International Bank & Trust	100 North Main Street, Watford City, ND 58854	View Lobby Hours
Bismarck Branch	1533 North 12th Street, Bismarck, ND 58501	View Lobby Hours
North Hill Branch	2150 21st Ave Nw, Minot, ND 58701	View Lobby Hours
Watford City Fox Hills Branch	313 Fox Hills Parkway North, Watford City, ND 58854	View Lobby Hours
Rugby Branch	215 Highway 2 Sw, Rugby, ND 58368	View Lobby Hours
Grand Forks Location	1970 South Columbia Road Suite 110, Grand Forks, ND 58201	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: 401822	6.128%	6.000% 0.75 points $4,395 fees	$1,919	Learn More
NMLS ID: 1025894	6.223%	6.125% 0.88 points $3,353 fees	$1,945	Learn More
NMLS ID: 6606	6.330%	6.240% 1.00 points $3,037 fees	$1,969	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
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
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$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]

First International Bank & Trust - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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