First Mid Bank & Trust, National Association - Nationwide Branches

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Branch	Address	View Lobby Hours
Taylorville Branch	200 North Main Street, Taylorville, IL 62568	View Lobby Hours
Galesburg Facility Branch	1515 N Henderson Street, Galesburg, IL 61401	View Lobby Hours
First Mid-Illinois Bank & Trust, National Association	1515 Charleston Avenue, Mattoon, IL 61938	View Lobby Hours
Bartonville Branch	1101 W. Garfield Avenue, Peoria, IL 61607	View Lobby Hours
Highland Branch	1301 Broadway, Highland, IL 62249	View Lobby Hours
Highland Branch	12616 State Route 143, Highland, IL 62249	View Lobby Hours
Knoxville - Peoria Branch	1021 West Bird Boulevard, Peoria, IL 61614	View Lobby Hours
Neoga Facility	102 East Sixth Street, Neoga, IL 62447	View Lobby Hours
Galesburg Main Branch	101 East Main Street, Galesburg, IL 61401	View Lobby Hours
Altamont Facility	101 West Washington Street, Altamont, IL 62411	View Lobby Hours
Decatur Branch	100 South Water Street, Decatur, IL 62526	View Lobby Hours
Mansfield Branch	1 Jefferson Street, Mansfield, IL 61854	View Lobby Hours
Decatur -- South Baltimore Branch	1688 South Baltimore, Decatur, IL 62521	View Lobby Hours
Swansea Il Branch	4101 North Illinois Street, Swansea, IL 62226	View Lobby Hours
Harrisburg South Branch	719 Rollie Moore Drive, Harrisburg, IL 62946	View Lobby Hours
Clayton Branch	225 S. Meramec Ave, Suite 302, Clayton, MO 63105	View Lobby Hours
Machesney Park Branch	9609 Forest Hills Road, Machesney Park, IL 61115	View Lobby Hours
Roscoe Branch	5206 Elevator Road, Roscoe, IL 61073	View Lobby Hours
Blackhawk Bank	400 Broad Street, Beloit, WI 53511	View Lobby Hours
11th Street Branch	3101 11th Street, Rockford, IL 61109	View Lobby Hours
Rockford Branch	2475 N. Perryville Road, Rockford, IL 61107	View Lobby Hours
Cranston Road Branch	2200 Cranston, Beloit, WI 53511	View Lobby Hours
Belvidere Branch	2141 North State Street, Belvidere, IL 61008	View Lobby Hours
Janesville Wi Branch	200 West Milwaukee Street, Janesville, WI 53547	View Lobby Hours
Blackhawk Bank Milton Branch	2525 Milton Avenue, Janesville, WI 53545	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	5.769%	5.625% 1.00 points $5,083 fees	$1,843	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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