The Farmers & Merchants State Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Custar Banking Center Branch	22973 Defiance Pike, Custar, OH 43511	View Lobby Hours
Bryan Branch	929 East High Street, Bryan, OH 43506	View Lobby Hours
Waterville Oh Branch	8720 Waterville-Swanton Road, Waterville, OH 43566	View Lobby Hours
Perrysburg Branch	7001 Lighthouse Way, Perrysburg, OH 43551	View Lobby Hours
Swanton Branch	7 Turtle Creek Circle, Swanton, OH 43558	View Lobby Hours
Operations Center Branch	620 S Clydes Way, Archbold, OH 43502	View Lobby Hours
Auburn Branch	403 Erie Pass, Auburn, IN 46706	View Lobby Hours
The Farmers & Merchants State Bank	307-11 Defiance Street, Archbold, OH 43502	View Lobby Hours
Stryker Branch	300 South Defiance Street, Stryker, OH 43557	View Lobby Hours
Angola Branch	2310 North Wayne Street, Angola, IN 46703	View Lobby Hours
Napoleon Branch	2255 North Scott Street, Napoleon, OH 43545	View Lobby Hours
West Unity Branch	200 West Jackson Street, West Unity, OH 43570	View Lobby Hours
Butler Branch	200 South Broadway, Butler, IN 46721	View Lobby Hours
Woodland Branch	1313 S Defiance Street, Archbold, OH 43502	View Lobby Hours
Wauseon Downtown Branch	119 North Fulton Street, Wauseon, OH 43567	View Lobby Hours
Defiance Branch	1175 Hotel Drive, Defiance, OH 43512	View Lobby Hours
Eastside Branch	1150 E Main St, Montpelier, OH 43543	View Lobby Hours
Wauseon Branch	1130 North Shoop Avenue, Wauseon, OH 43567	View Lobby Hours
Delta Branch	101 Main Street, Delta, OH 43515	View Lobby Hours
South Main Branch	1000 South Main Street, Bryan, OH 43506	View Lobby Hours
Hicksville Branch	100 North Main Street, Hicksville, OH 43526	View Lobby Hours
Farmers & Merchants State Bank- Sylv	5830 Monroe Street, Sylvania, OH 43560	View Lobby Hours
Huntertown Branch	12106 Lima Road, Fort Wayne, IN 46818	View Lobby Hours
Bowling Green Branch	1072 N. Main Street, Bowling Green, OH 43402	View Lobby Hours
Farmers And Merchants State Bank - F	1660 Tiffin Avenue, Findlay, OH 45840	View Lobby Hours
Michigan Avenue Branch	2400 Michigan Avenue, Sidney, OH 45365	View Lobby Hours
S. Pike Street Branch	403 S. Pike St, Anna, OH 45302	View Lobby Hours
E. Pike Street Branch	115 E. Pike Street, Jackson Center, OH 45334	View Lobby Hours
Peoples Federal Savings And Loan Ass	101 E Court St, Sidney, OH 45365	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]

The Farmers & Merchants State Bank - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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