Southern Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Drive-Thru Facility	Locust And Clay Street, Chillicothe, MO 64601	View Lobby Hours
Smithville Branch	100 Northeast State Highway 92, Smithville, MO 64089	View Lobby Hours
Oak Barry Center Branch	8405 North Oak Trafficway, Kansas City, MO 64155	View Lobby Hours
Trenton Branch	816 Main Street, Trenton, MO 64683	View Lobby Hours
Macon Branch	707 Briggs Drive, Macon, MO 63552	View Lobby Hours
Barry Road Branch	6945 Nw Barry Road, Kansas City, MO 64153	View Lobby Hours
St. Joseph North Branch	5305 N Belt Highway, Saint Joseph, MO 64506	View Lobby Hours
Citizens Bank And Trust Company	7288 Nw 87th Terrace, Suite 112, Kansas City, MO 64153	View Lobby Hours
North Oak Village Branch	4911 North Oak Trafficway, Kansas City, MO 64118	View Lobby Hours
Leawood Branch	4701 College Boulevard Suite 100, Leawood, KS 66211	View Lobby Hours
Boonville Spring Branch	400 East Spring Street, Boonville, MO 65233	View Lobby Hours
St. Joseph Branch	3727 Frederick Boulevard, St. Joseph, MO 64506	View Lobby Hours
Kearney Branch	2041 Commerce Drive, Kearney, MO 64060	View Lobby Hours
Brookfield Branch	322 South Main Street, Brookfield, MO 64628	View Lobby Hours
Ravenwood Branch	124 South Main Street, Ravenwood, MO 64479	View Lobby Hours
Chillicothe Branch	1210 Washington Street, Chillicothe, MO 64601	View Lobby Hours
Maryville Branch	105 North Main Street, Maryville, MO 64468	View Lobby Hours
Burlington Junction Branch	102 West Main, Burlington Junction, MO 64428	View Lobby Hours
King City Branch	101 North Ohio, King City, MO 64463	View Lobby Hours
515 Washington Street Branch	515 Washington Street, Chillicothe, MO 64601	View Lobby Hours
Zona Rosa Branch	7280 Nw 87th Terrace, Suite 112, Kansas City, MO 64153	View Lobby Hours
Www.Bankwithsouthern.com	2991 Oak Grove Road, Poplar Bluff, MO 63901	View Lobby Hours
Qulin Facility	Highways 53 And Y, Qulin, MO 63961	View Lobby Hours
Dexter Facility	713 Us 60 Business, Dexter, MO 63841	View Lobby Hours
Southern Bank	531 Vine Street, Poplar Bluff, MO 63901	View Lobby Hours
Van Buren Facility	502 Main Street, Van Buren, MO 63965	View Lobby Hours
Searcy Facility	2208 East Race Avenue, Searcy, AR 72143	View Lobby Hours
Springfield S. National Facility	4308 S National Avenue, Springfield, MO 65810	View Lobby Hours
Poplar Bluff Pp Highway Facility	4214 Highway Pp, Poplar Bluff, MO 63901	View Lobby Hours
Doniphan Facility	302 Washington, Doniphan, MO 63935	View Lobby Hours
Kennett Facility	301 First Street, Kennett, MO 63857	View Lobby Hours
Jonesboro-Nettleton Facility	2775 East Nettleton Avenue, Jonesboro, AR 72401	View Lobby Hours
Poplar Bluff-Three Rivers Campus Fac	2080 Three Rivers Blvd, Poplar Bluff, MO 63901	View Lobby Hours
Jonesboro South Main Facility	1925 South Main Street, Jonesboro, AR 72401	View Lobby Hours
Paragould Facility	1727 West Kingshighway, Paragould, AR 72451	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

See More Mortgage Rates →

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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