Heartland Bank and Trust Company - Nationwide Branches

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Branch	Address	View Lobby Hours
Genoa Branch	327 West Main Street, Genoa, IL 60135	View Lobby Hours
Farmer City State Bank Branch	333 South Main Street, Farmer City, IL 61842	View Lobby Hours
Market Street Branch	2231 West Market Street, Bloomington, IL 61704	View Lobby Hours
Morton Main Street Facility	223 South Main Street, Morton, IL 61550	View Lobby Hours
East Oakland Avenue Branch	2111 East Oakland Avenue, Suite A, Bloomington, IL 61701	View Lobby Hours
Springfield Road Branch	2101 West Springfield Road, Champaign, IL 61821	View Lobby Hours
Princeton North	2101 North Main Street, Princeton, IL 61356	View Lobby Hours
Sandwich County Line Branch	21 Gletty Road, Sandwich, IL 60548	View Lobby Hours
Carlock Branch	207 West Washington Street, Carlock, IL 61725	View Lobby Hours
Motor Facility	202 West Center Street, Eureka, IL 61530	View Lobby Hours
Main Street Bloomington Branch	205 North Main Street, Bloomington, IL 61702	View Lobby Hours
Bank Of Illinois Branch	200 West College Avenue, Normal, IL 61761	View Lobby Hours
Sandwich Facility	200 East Church Street, Sandwich, IL 60548	View Lobby Hours
South Main Street Branch	1821 South Main Street, Eureka, IL 61530	View Lobby Hours
Normal Branch	1725 Fort Jesse Road, Normal, IL 61761	View Lobby Hours
Courtland Street Morton Il Branch	179 East Courtland Street, Morton, IL 61550	View Lobby Hours
Aurora Branch	1575 Ogden Avenue, Aurora, IL 60503	View Lobby Hours
Plainfield Branch	14901 S. Route 59, Plainfield, IL 60544	View Lobby Hours
130 South Main Street Branch	130 South Main Street, Washington, IL 61571	View Lobby Hours
130 North Church Street Branch	130 North Church Street, Gibson City, IL 60936	View Lobby Hours
Somonauk Branch	128 South Depot Street, Somonauk, IL 60552	View Lobby Hours
Huntley Branch	12101 Regency Square Parkway, Huntley, IL 60142	View Lobby Hours
116 S Main St Branch	116 South Main Street, Mackinaw, IL 61755	View Lobby Hours
Plano Branch	11500 E. Route 34, Plano, IL 60545	View Lobby Hours
Windsor Office Branch	1101 W Windsor Road, Champaign, IL 61821	View Lobby Hours
108 North Main Street Branch	108 North Main Street, Eureka, IL 61530	View Lobby Hours
105 N. Menard Branch	105 N. Menard, Metamora, IL 61548	View Lobby Hours
The First's Place Facility	100 South Cummings Lane, Washington, IL 61571	View Lobby Hours
Spring Valley Branch	100 East Dakota Street, Spring Valley, IL 61362	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: 3030		points fees		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.
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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