The Heritage Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Richmond Hill Kroger	9701 Ford Avenue, Richmond Hill, GA 31324	View Lobby Hours
Waycross	810 Plant Avenue, Waycross, GA 31501	View Lobby Hours
Hinesville Walmart	751 W. Oglethorpe Hwy., Hinesville, GA 31313	View Lobby Hours
Savannah	620 Stephenson Avenue, Savannah, GA 31405	View Lobby Hours
Homerville	56 East Dame Avenue, Homerville, GA 31634	View Lobby Hours
Statesboro	506 Fair Road, Statesboro, GA 30458	View Lobby Hours
St Marys	392 Charlie Smith, Sr. Highway, Saint Marys, GA 31558	View Lobby Hours
Fort Stewart	32 Wurzburg St, Fort Stewart, GA 31314	View Lobby Hours
Ludowici	32 Mcdonald Street, Ludowici, GA 31316	View Lobby Hours
Jesup	292 South Macon Street, Jesup, GA 31545	View Lobby Hours
The Heritage Bank	300 South Main Street, Hinesville, GA 31313	View Lobby Hours
Midway	248 Butler Avenue, Midway, GA 31320	View Lobby Hours
Blackshear	228 Main Street, Blackshear, GA 31516	View Lobby Hours
Pembroke	16 Railroad Street East, Pembroke, GA 31321	View Lobby Hours
Darien	1142 North Way, Darien, GA 31305	View Lobby Hours
Nahunta	113 East Cleveland Street, Nahunta, GA 31553	View Lobby Hours
Brunswick	103 Scranton Connector, Brunswick, GA 31525	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: 3030		points fees		Learn More

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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 Home Equity Line of Credit - Equal Housing Lender 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
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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