First Mid Bank & Trust, National Association - Nationwide Branches

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Branch	Address	View Lobby Hours
Edwardsville Br	6814 Goshen Road, Edwardsville, IL 62025	View Lobby Hours
St Louis Street Branch	300 St Louis Street, Edwardsville, IL 62025	View Lobby Hours
State Rte 157 Branch	2143 S Hwy 157, Edwardsville, IL 62025	View Lobby Hours
Wood River Branch	1046 Madison Avenue, Wood River, IL 62095	View Lobby Hours
Schnucks Facility	915 West Main Street, Carbondale, IL 62901	View Lobby Hours
Lawrenceville Branch	909 12th St, Lawrenceville, IL 62439	View Lobby Hours
Carbondale Branch	509 South University Avenue, Carbondale, IL 62901	View Lobby Hours
Mount Vernon Branch	400 S 34th Street, Mount Vernon, IL 62864	View Lobby Hours
Mt. Carmel Branch	400 Market Street, Mount Carmel, IL 62863	View Lobby Hours
Carterville Facility	300 South Division, Carterville, IL 62918	View Lobby Hours
Marion Branch Center	2306 Williamson County Parkway, Marion, IL 62959	View Lobby Hours
Harrisburg Branch	2 E Locust St, Harrisburg, IL 62946	View Lobby Hours
Murphysboro Facility	1709 Walnut Street, Murphysboro, IL 62966	View Lobby Hours
116 West Main Street Branch	116 West Main Street, Carmi, IL 62821	View Lobby Hours
De Soto Facility	102 North Chestnut Street, De Soto, IL 62924	View Lobby Hours
Champaign North Branch	913 West Marketview, Champaign, IL 61822	View Lobby Hours
Effingham Facility	902 North Keller Drive, Effingham, IL 62401	View Lobby Hours
Charleston Facility	701 Sixth Street, Charleston, IL 61920	View Lobby Hours
Quincy (Main) Branch	636 Hampshire Street, Quincy, IL 62301	View Lobby Hours
Urbana Branch	601 South Vine, Urbana, IL 61801	View Lobby Hours
Lincoln Branch	500 West Lincoln, Charleston, IL 61920	View Lobby Hours
Mahomet Branch	502 East Oak Street, Mahomet, IL 61853	View Lobby Hours
Weldon Branch	490 Maple St, Weldon, IL 61882	View Lobby Hours
Tuscola Facility	410 South Main Street, Tuscola, IL 61953	View Lobby Hours
Knoxville Branch	331 E Main St, Knoxville, IL 61448	View Lobby Hours
Cross County Facility	333 East Broadway Avenue, Mattoon, IL 61938	View Lobby Hours
Quincy Mall Branch	3233 Broadway, Quincy, IL 62301	View Lobby Hours
Decatur Water Street Branch	3101 North Water Street, Decatur, IL 62526	View Lobby Hours
Wardcliffe Branch	3037 N. Sterling, Peoria, IL 61604	View Lobby Hours
Maryville Branch	2930 North Center, Maryville, IL 62062	View Lobby Hours
Arcola Branch	249 W Springfield Road, Arcola, IL 61910	View Lobby Hours
Champaign Branch	2229 South Neil Street, Champaign, IL 61820	View Lobby Hours
Adams Branch	230 Sw Adams Street, Peoria, IL 61602	View Lobby Hours
Monticello Drive-Up Branch	219 West Center Street, Monticello, IL 61856	View Lobby Hours
Sullivan Facility	200 South Hamilton Street, Sullivan, IL 61951	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	5.881%	5.750% 0.75 points $4,565 fees	$1,868	Learn More
NMLS ID: 399799	6.112%	6.000% 0.88 points $4,015 fees	$1,919	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
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]

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