Soy Capital Bank and Trust Company - Nationwide Branches

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Branch	Address	View Lobby Hours
East Pershing Road Branch	560 East Pershing Road, Decatur, IL 62525	View Lobby Hours
Route 36 Branch	4825 U.S. Route 36 East, Decatur, IL 62521	View Lobby Hours
First Federal Branch	455 North Main Street, Decatur, IL 62522	View Lobby Hours
Peoria Branch	4530 North University, Peoria, IL 61612	View Lobby Hours
Bloomington Branch	2306 E. Washington, Bloomington, IL 61704	View Lobby Hours
Champaign Branch	2009 Fox Drive, Suite D, Champaign, IL 61820	View Lobby Hours
Franklin Street Branch	1685 South Franklin Street, Decatur, IL 62525	View Lobby Hours
Soy Capital Bank And Trust Company	1501 East Eldorado Street, Decatur, IL 62525	View Lobby Hours
Kankakee Branch	125 Moomey Drive Suite 4, Bourbonnais, IL 60914	View Lobby Hours
Forsyth Branch	1090 South Route 51, Forsyth, IL 62535	View Lobby Hours
Messenger Service	1501 East Eldorado Street, Decatur, IL 62521	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 292473	6.248%	6.125% 0.63 points $4,187 fees	$1,945	Learn More
NMLS ID: 401822	6.620%	6.500% 0.63 points $3,995 fees	$2,023	Learn More
NMLS ID: 401822		points fees		Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Farmers Bank of Kansas City See Table	Intro APR 8.750 % After Intro: 8.750 %	$25,000	Learn More More Info
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV

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