The State Bank and Trust Company - Nationwide Branches

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Branch	Address	View Lobby Hours
Paulding Banking Center Branch	Main And Caroline Streets, Paulding, OH 45879	View Lobby Hours
Market St Branch	930 West Market Street, Lima, OH 45805	View Lobby Hours
Sylvania Branch	6401 Monroe Street, Sylvania, OH 43560	View Lobby Hours
Perrysburg Branch	610 East South Boundary, Perrysburg, OH 43551	View Lobby Hours
Wauseon Branch	515 Parkview, Wauseon, OH 43567	View Lobby Hours
Motor Branch	500 Third Street, Defiance, OH 43512	View Lobby Hours
The State Bank And Trust Company	401 Clinton Street, Defiance, OH 43512	View Lobby Hours
Delta Branch	312 Main Street, Delta, OH 43515	View Lobby Hours
Luckey Branch	235 Main Street, Luckey, OH 43443	View Lobby Hours
Walbridge Branch	311 North Main Street, Walbridge, OH 43465	View Lobby Hours
Oakwood Branch	218 North First Street, Oakwood, OH 45873	View Lobby Hours
Northtowne Branch	1600 North Clinton Street, Defiance, OH 43512	View Lobby Hours
Bryan Banking Center Branch	1419 West High Street, Bryan, OH 43506	View Lobby Hours
Lyons Branch	133 East Morenci Street, Lyons, OH 43533	View Lobby Hours
Fort Wayne Branch	12832 Coldwater Road, Fort Wayne, IN 46845	View Lobby Hours
East Main Street Branch	1201 East Main Street, Montpelier, OH 43543	View Lobby Hours
Pioneer Banking Center Branch	119 South State Street, Pioneer, OH 43554	View Lobby Hours
Findlay Banking Center Branch	201 E. Lincoln Street, Findlay, OH 45840	View Lobby Hours
Dublin Banking Center Branch	4080 West Dublin-Granville Road, Dublin, OH 43017	View Lobby Hours
Bowling Green Banking Center	1232 N. Main St., Bowling Green, OH 43402	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: 1835285	5.830%	5.750% 0.88 points $2,800 fees	$1,868	Learn More
NMLS ID: 757416	5.955%	5.875% 0.88 points $2,784 fees	$1,893	Learn More
NMLS ID: 2561451	5.985%	5.875% 1.00 points $3,828 fees	$1,893	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 State Bank and Trust Company - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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