Tri Counties Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Durham Branch	9411 Midway Road, Durham, CA 95938	View Lobby Hours
Crescent City Branch	936 Third Street, Crescent City, CA 95531	View Lobby Hours
Palo Cedro Branch	9125 Deschutes Road, Palo Cedro, CA 96073	View Lobby Hours
Marysville Branch	904 E Street, Suite A, Marysville, CA 95901	View Lobby Hours
Auburn Branch	789 High Street, Auburn, CA 95603	View Lobby Hours
Colusa Branch	844 Bridge Street, Colusa, CA 95932	View Lobby Hours
Chico Park Plaza	780 Mangrove Avenue, Chico, CA 95926	View Lobby Hours
Covelo Branch	76405 Covelo Road, Covelo, CA 95428	View Lobby Hours
Red Bluff Branch	727 South Main Street, Red Bluff, CA 96080	View Lobby Hours
Grass Valley Olympia Park Branch	709 Sutton Way, Suite A, Grass Valley, CA 95945	View Lobby Hours
Fresno Branch	7020 North Marks Avenue, Suite 101, Fresno, CA 93711	View Lobby Hours
Yuba City Onstott Branch	700 Onstott Road, Yuba City, CA 95991	View Lobby Hours
Paradise	6848 Q Skyway, Paradise, CA 95969	View Lobby Hours
Tri Counties Bank	63 Constitution Drive, Chico, CA 95973	View Lobby Hours
Telephone Banking Center Branch	890 Fortress Street, Chico, CA 95973	View Lobby Hours
Chico Downtown	525 Salem Street, Chico, CA 95928	View Lobby Hours
Bakersfield Branch	5201 California Avenue, Suite 102, Bakersfield, CA 93309	View Lobby Hours
Visalia Branch	509 S. Pinkham Street, Suite B, Visalia, CA 93292	View Lobby Hours
Elk Grove Branch	4900 Elk Grove Boulevard, Elk Grove, CA 95758	View Lobby Hours
North Natomas	4650 Natomas Boulevard, Sacramento, CA 95835	View Lobby Hours
Fall River Mills Branch	43308 Highway 299 East, Fall River Mills, CA 96028	View Lobby Hours
Burney Branch	37093 State Hwy 299e, Burney, CA 96013	View Lobby Hours
Modesto Branch	3601 Pelandale Avenue, Suite E5, Modesto, CA 95356	View Lobby Hours
Cottonwood Branch	3349 Main Street, Cottonwood, CA 96022	View Lobby Hours
Gustine Branch	319 5th Street, Gustine, CA 95322	View Lobby Hours
Chowchilla Branch	305 Trinity Avenue, Chowchilla, CA 93610	View Lobby Hours
Nevada City Branch	305 Railroad Avenue, Suite #1, Nevada City, CA 95959	View Lobby Hours
Weed Branch	303 Main Street, Weed, CA 96094	View Lobby Hours
Grass Valley Downtown Branch	305 Neal Street, Grass Valley, CA 95945	View Lobby Hours
Turlock Branch	2900 Geer Road, Turlock, CA 95382	View Lobby Hours
Folsom Empire Ranch Branch	25025 Blue Ravine Road, Folsom, CA 95630	View Lobby Hours
Chico South Branch	2483 Notre Dame Blvd, Suite 100, Chico, CA 95928	View Lobby Hours
Brentwood Branch	2400 Sand Creek Road, Brentwood, CA 94513	View Lobby Hours
Chico Esplanade Branch	211 W East Avenue, Chico, CA 95926	View Lobby Hours
Chico Pillsbury	2171 Pillsbury Road, Chico, CA 95926	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	5.971%	5.875% 0.38 points $3,317 fees	$1,893	Learn More
NMLS ID: 399799	6.122%	6.000% 1.00 points $4,358 fees	$1,919	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line See Table	0.000 %	$0	Learn More More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may 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, or that require a waiting period prior to closing, or where loan amounts exceed $400,000. #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses
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]

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