Branch	Address	View Lobby Hours
Liberty Street Office Branch	855 Liberty Street, Waynesboro, GA 30830	View Lobby Hours
Southern Bank	731 Charles Perry Ave, Sardis, GA 30456	View Lobby Hours
Hephzibah Branch	2455 Highway 88, Hephzibah, GA 30815	View Lobby Hours
East 6th Street Branch	229 Sixth Street, Waynesboro, GA 30830	View Lobby Hours
Gibson Branch	21 College Street, Gibson, GA 30810	View Lobby Hours

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

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

Southern Bank - Nationwide Branches