Heritage Bank USA, Inc. - Nationwide Branches

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Branch	Address	View Lobby Hours
Hopkinsville St Branch	Hopkinsville Street, Elkton, KY 42220	View Lobby Hours
Carr Plaza Branch	607 Highland Drive, Fulton, KY 42041	View Lobby Hours
Main Street Branch	605 S Virginia St, Hopkinsville, KY 42240	View Lobby Hours
Heritage Bank Usa, Inc.	4155 Lafayette Rd, Hopkinsville, KY 42240	View Lobby Hours
Erin Branch	3711 West Main Street, Erin, TN 37061	View Lobby Hours
Clarksville 3 Branch	3845 Trenton Rd, Clarksville, TN 37040	View Lobby Hours
Main Street Branch	352 East Main St, Cadiz, KY 42211	View Lobby Hours
Calvert City Branch	35 Oak Plaza Drive, Calvert City, KY 42029	View Lobby Hours
Clarksville 1 Branch	322 Main St., Clarksville, TN 37042	View Lobby Hours
Fulton Branch	306 Lake Street, Fulton, KY 42041	View Lobby Hours
Hopkinsville Blvd Branch	2700 Fort Campbell Blvd, Hopkinsville, KY 42240	View Lobby Hours
Clarksville 2 Branch	2185 Madison St., Clarksville, TN 37043	View Lobby Hours
Highway 49 Branch	2556 Highway 49 East, Pleasant View, TN 37146	View Lobby Hours
Main Street Branch	210 North 12th Street, Murray, KY 42071	View Lobby Hours
Murray Branch	1601 North 12th Street, Murray, KY 42071	View Lobby Hours
Cumberland Street Branch	108 Cumberland Street, Ashland City, TN 37015	View Lobby Hours
Benton Branch	660 Main Street, Benton, KY 42025	View Lobby Hours
Kingston Spring Road Branch	104 West Kingston Spring Road, Kingston Springs, TN 37082	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 292473	6.499%	6.375% 0.63 points $4,152 fees	$1,997	Learn More
NMLS ID: 401822	6.884%	6.750% 0.75 points $4,395 fees	$2,076	Learn More
NMLS ID: 401822		points fees		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
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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