Rabobank, National Association - Nationwide Branches

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Branch	Address	View Lobby Hours
Hollister Branch	491 Tres Pinos Road, Hollister, CA 95023	View Lobby Hours
Camarillo Branch	470 Arneill Road, Camarillo, CA 93010	View Lobby Hours
Fresno Branch	45 River Park Place West, Fresno, CA 93720	View Lobby Hours
Alvarado Branch	439 Alvarado Street, Monterey, CA 93940	View Lobby Hours
Palm Desert Branch	41-990 Cook St, Bldg H, Suite 701, Palm Desert, CA 92260	View Lobby Hours
Oak View Branch	410 North Ventura Avenue, Oak View, CA 93022	View Lobby Hours
Gonzales Branch	400 Alta Street, Gonzales, CA 93926	View Lobby Hours
Bakersfield Gosford Branch	3990 Gosford Road, Bakersfield, CA 93309	View Lobby Hours
Riverlakes Drive Office Branch	3800 Riverlakes Dr,, Bakersfield, CA 93312	View Lobby Hours
Ontario Branch	3800 Concours Street, Ste 350, Ontario, CA 91764	View Lobby Hours
Santa Ynez Branch	3600 Sagunto Street, Santa Ynez, CA 93460	View Lobby Hours
Mooney Bouleard Branch	3443 South Mooney Blvd, Visalia, CA 93277	View Lobby Hours
Carrillo Branch	3757 State Street, Santa Barbara, CA 93105	View Lobby Hours
Santa Cruz Branch	3110-A Mission Drive, Santa Cruz, CA 95065	View Lobby Hours
Downtown Ventura	304 East Main Street, Ventura, CA 93001	View Lobby Hours
Mills Road Branch	300 South Mills Road, Ventura, CA 93003	View Lobby Hours
Salinas Branch	301 Main St, Salinas, CA 93901	View Lobby Hours
Esplanade Branch	300 East Esplanade Drive, Suite 101, Oxnard, CA 93036	View Lobby Hours
Bakersfield Mount Vernon Branch	2700 Mt Vernon Ave, Bakersfield, CA 93306	View Lobby Hours
Westlake Village Branch	3815 East Thousand Oaks Blvd , Ste A, Westlake Village, CA 91362	View Lobby Hours
Morro Bay Branch	251 Harbor Street, Morro Bay, CA 93442	View Lobby Hours
Legion Street Branch	250 Wildcat Drive, Brawley, CA 92227	View Lobby Hours
North Chico Branch	237 W. East Avenue, Chico, CA 95926	View Lobby Hours
Marysville Branch	230 9th Street, Marysville, CA 95901	View Lobby Hours
Oroville Branch	2227 Myers Street, Oroville, CA 95966	View Lobby Hours
Broad Street Branch	2276 Broad Street, San Luis Obispo, CA 93401	View Lobby Hours
Cottage Branch	2222 Bath Street, Santa Barbara, CA 93105	View Lobby Hours
Turlock Branch	2190 West Monte Vista Avenue, Turlock, CA 95382	View Lobby Hours
Hanford Branch	218 North Douty, Hanford, CA 93230	View Lobby Hours
Waterman Avenue Branch	2150 North Waterman Ave., El Centro, CA 92243	View Lobby Hours
Soledad Branch	2149 H. Delarosa, Sr. Street, Soledad, CA 93960	View Lobby Hours
South Chico Branch	2041 Forest Ave, Chico, CA 95928	View Lobby Hours
Tulare Branch	2005 East Prosperity Avenue, Tulare, CA 93274	View Lobby Hours
Merced Branch	2000 M Street, Merced, CA 95340	View Lobby Hours
Watonsville Branch	1915 Main Street, Watsonville, CA 95076	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
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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