Southern Bancorp Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Hamburg Branch	210 North Main, Hamburg, AR 71646	View Lobby Hours
Mound Bayou Branch	U. S. Highway 61, Mound Bayou, MS 38762	View Lobby Hours
Second Ave. Branch	2nd And Forest Street, Shelby, MS 38774	View Lobby Hours
Bismarck Branch	Highway 7 And Highway 84, Bismarck, AR 71929	View Lobby Hours
Lula Branch	Front Street, Lula, MS 38644	View Lobby Hours
Hernando Branch	970 Byhalia Road, Hernando, MS 38632	View Lobby Hours
Marvell Branch	911 Highway 49, Marvell, AR 72366	View Lobby Hours
Picayune Branch	9 Lakeshore Drive, Carriere, MS 39426	View Lobby Hours
Clarksdale Branch	875 South State Street, Clarksdale, MS 38614	View Lobby Hours
Lambert Branch	815 Darby Avenue, Lambert, MS 38643	View Lobby Hours
Barton Branch	6140 Hwy 49, Barton, AR 72312	View Lobby Hours
North Branch	807 North 6th Street, Blytheville, AR 72315	View Lobby Hours
Southern Bancorp Bank	601 Main Street, Arkadelphia, AR 71923	View Lobby Hours
Gosnell Branch	599 Airbase Highway, Blytheville, AR 72315	View Lobby Hours
Friars Point Branch	574 Second Street, Friars Point, MS 38631	View Lobby Hours
Indianola Branch	504 Highway 82 East, Indianola, MS 38751	View Lobby Hours
Cherry Street Branch	502 Cherry Street, Helena, AR 72342	View Lobby Hours
Round Branch	432 N Sebastian, West Helena, AR 72390	View Lobby Hours
Plaza Branch	425 East Plaza Street, West Helena, AR 72390	View Lobby Hours
Hot Springs Branch	4138 Central Avenue, Hot Springs, AR 71913	View Lobby Hours
Manila Branch	403 Highway 18 South, Manila, AR 72442	View Lobby Hours
Trumann Branch	326 Highway 463 North, Trumann, AR 72472	View Lobby Hours
Leland Branch	323 Hwy 82 East, Leland, MS 38756	View Lobby Hours
Manila Branch	319 North Baltimore, Manila, AR 72442	View Lobby Hours
West Pine Branch	2500 Pine St, Arkadelphia, AR 71923	View Lobby Hours
Timberland Branch	2421 North West Avenue, El Dorado, AR 71730	View Lobby Hours
Greenville Branch	215 South Broadway, Greenville, MS 38701	View Lobby Hours
Ash Street Branch	208 Ash Street, Malvern, AR 72104	View Lobby Hours
Airport Rd Branch	206 Airport Rd, Hot Springs, AR 71913	View Lobby Hours
Webb, Mississippi Branch	2058 Us Highway 49 East, Webb, MS 38966	View Lobby Hours
Madison Branch	1888 Main Street Crossing, Suite D, Madison, MS 39110	View Lobby Hours
Martin Luther King Branch	1868 Martin Luther King Jr., Boulevard South, Greenville, MS 38701	View Lobby Hours
El Dorado Branch	1615 West Hillsboro, El Dorado, AR 71730	View Lobby Hours
Main Street Branch	128 Main Street, Elaine, AR 72333	View Lobby Hours
Blytheville Branch	120 South Second Street, Blytheville, AR 72315	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	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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