First National Bank of Northern California - Nationwide Branches

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Branch	Address	View Lobby Hours
America California Bank Branch	417 Montgomery Street, San Francisco, CA 94104	View Lobby Hours
Buri Buri Branch	975 El Camino Real, South San Francisco, CA 94080	View Lobby Hours
Half Moon Bay Branch	756 Main Street, Half Moon Bay, CA 94019	View Lobby Hours
Redwood City Branch	700 El Camino Real, Redwood City, CA 94063	View Lobby Hours
Portola Drive Branch	699 Portola Drive, San Francisco, CA 94127	View Lobby Hours
First National Bank Of Northern Cali	6600 Mission Street, Daly City, CA 94014	View Lobby Hours
San Mateo Branch	491 El Camino Real, Suite B, San Mateo, CA 94402	View Lobby Hours
Pescadero Branch	239 Stage Road, Pescadero, CA 94060	View Lobby Hours
Chestnut Street Branch	2197 Chestnut Street, San Francisco, CA 94123	View Lobby Hours
Millbrae Branch	1551 El Camino Real, Millbrae, CA 94030	View Lobby Hours
Linda Mar Branch	1450 Linda Mar Shopping Center, Pacifica, CA 94044	View Lobby Hours
Battery Street Branch	130 Battery Street, San Francisco, CA 94111	View Lobby Hours
Sunnyvale Branch	425 S. Mathilda Ave, Sunnyvale, CA 94086	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: 292473	6.114%	5.990% 0.75 points $4,277 fees	$1,917	Learn More
NMLS ID: 401822	6.482%	6.375% 0.50 points $3,595 fees	$1,997	Learn More
NMLS ID: 401822		points fees		Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
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 6.490 % After Intro: 7.750 % 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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