Southern Bank - Nationwide Branches

View Southern Bank overview page →

Branch	Address	View Lobby Hours
Batesville Facility	1583 South St. Louis Street, Batesville, AR 72501	View Lobby Hours
Poplar Bluff-Westwood Facility	2001 North Westwood Boulevard, Poplar Bluff, MO 63901	View Lobby Hours
Matthews Facility	100 W Main, Matthews, MO 63867	View Lobby Hours
Sikeston Facility	1205 S Main, Sikeston, MO 63801	View Lobby Hours
Jackson Facility	727 West Main Street, Jackson, MO 63755	View Lobby Hours
Cape Girardeau - Kingshighway Facili	380 North Kingshighway, Cape Girardeau, MO 63701	View Lobby Hours
Anna Facility	358 South Main Street, Anna, IL 62906	View Lobby Hours
Cape Girardeau - Williams St Facilit	3168 William Street, Cape Girardeau, MO 63701	View Lobby Hours
Cairo Facility	2800 Sycamore Street, Cairo, IL 62914	View Lobby Hours
Tamms Facility	145 Russell Avenue, Tamms, IL 62988	View Lobby Hours
Thayer Drive-In Facility	Highways 63 And 142, Thayer, MO 65791	View Lobby Hours
West Plains Facility	960 Preacher Roe Boulevard, West Plains, MO 65775	View Lobby Hours
Alton Facility	400 Highway 160 West Alton, Alton, MO 65606	View Lobby Hours
Thayer Facility	116 Chestnut Street, Thayer, MO 65791	View Lobby Hours
Bradford Facility	5227 North Highway 367, Bradford, AR 72020	View Lobby Hours
Bald Knob Facility	306 South Elm Street, Bald Knob, AR 72010	View Lobby Hours
Fremont Hills Facility	9005 Sawgrass Avenue, Nixa, MO 65714	View Lobby Hours
Clever Facility	7410 Missouri 14, Clever, MO 65631	View Lobby Hours
Rogersville Facility	317 South Main, Rogersville, MO 65742	View Lobby Hours
Nixa - Mt Vernon Facility	305 West Mt. Vernon Street, Nixa, MO 65714	View Lobby Hours
Springfield Republic Rd Facility	3000 West Republic Road, Springfield, MO 65807	View Lobby Hours
Springfield Sunshine Facility	2911 East Sunshine Street, Springfield, MO 65804	View Lobby Hours
Ozark Facility	2471 West Jackson Street, Ozark, MO 65721	View Lobby Hours
Operations Office	208 N. Mccroskey St, Nixa, MO 65714	View Lobby Hours
Forsyth Facility	15775 Us Hwy 160, Forsyth, MO 65653	View Lobby Hours
Nixa - Cc & Main Facility	1564 North Main Street, Nixa, MO 65714	View Lobby Hours
Kimberling City Facility	11892 State Hwy 13, Kimberling City, MO 65686	View Lobby Hours
First Southern Bank	10825 Financial Centre Parkway, Little Rock, AR 72211	View Lobby Hours
Searcy Loan Production Office	2930 East Moore Avenue, Suite C, Searcy, AR 72143	View Lobby Hours
Oak Grove Road Facility Branch	2991 Oak Grove Road, Poplar Bluff, MO 63901	View Lobby Hours

«
1
Page 2 of 2
»

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: 2059741	5.926%	5.875% 0.50 points $1,766 fees	$1,893	Learn More
NMLS ID: 1025894	6.228%	6.125% 0.88 points $3,506 fees	$1,945	Learn More
NMLS ID: 6606	6.331%	6.240% 1.00 points $3,094 fees	$1,969	Learn More

See More Mortgage Rates →

Featured - Home Equity Line Of Credit Rates 2025

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.
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
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
Splash Financial See Table	Intro APR 7.250 % After Intro: 7.250 % Intro Period: 8 months	$25,000	Learn More More Info
This rate is variable and will fluctuate with the Prime Rate as published in the Wall Street Journal. Variable Annual Percentage Rate (APR) for first and second lien position home equity lines of credit will vary with the Prime Rate as published in the Wall Street Journal. As of 11/4/2025, the variable rate for new home equity lines of credit is Prime – 0.25% to Prime + 2.50% (6.75% APR to 9.50% APR). Your rate will not exceed 18.000% APR. Making minimum interest-only payments will not pay down your principal. An annual fee of $100 will apply every year after the first year from the date of funding. Not all applicants are eligible for the maximum line of credit amount or the maximum combined loan to value (LTV). The property type, applicant creditworthiness, verified income, and third party property valuation all may affect eligibility. Maximum LTV ratios of 90%, 80% or 70% apply depending on creditworthiness and property eligibility. Offer available for owner-occupied, 1-4 unit residential properties only. For HELOC amounts at and above $100,000, Splash requires an initial draw of at least $75,000. For line amounts less than $100,000, you must draw at least 75% initially. Additional draw amounts are subject to lender minimums. To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Borrow up to $500,000 Apply 100% online in minutes with a user-friendly platform Check your rate without affecting your credit ** Tap into home equity today

See More Home Equity Rates →

New Bank Offers

Download a Free eBook

Bank On It:
The No Risk Way To Boost Your Savings

BestCashCow
Guide To Credit Card Travel Rewards

65 Questions to Ask before Choosing a CD

The Insider's Guide
to
Mortgages

Plan and Optimize Your Finances