Tri Counties Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Middletown Branch	21097 Calistoga Street, Middletown, CA 95461	View Lobby Hours
Willows Branch	210 North Tehama Street, Willows, CA 95988	View Lobby Hours
Mt. Shasta Branch	204 Chestnut Street, Mount Shasta, CA 96067	View Lobby Hours
Redding Lake Blvd	201 Lake Boulevard, Redding, CA 96003	View Lobby Hours
Patterson Branch	17 Plaza Circle, Patterson, CA 95363	View Lobby Hours
Yreka Branch	165 South Broadway, Yreka, CA 96097	View Lobby Hours
Susanville Branch	2641 Main Street, Susanville, CA 96130	View Lobby Hours
Yuba City Branch	1441 Colusa Avenue, Yuba City, CA 95993	View Lobby Hours
Redding Hilltop	1250 Hilltop Drive, Redding, CA 96003	View Lobby Hours
Truckee Branch	12047 Donner Pass Road, Truckee, CA 96161	View Lobby Hours
Oroville Branch	1180 Oro Dam Boulevard, Oroville, CA 95965	View Lobby Hours
Penn Valley Branch	11362 Pleasant Valley Road, Penn Valley, CA 95946	View Lobby Hours
Orland Branch	100 East Walker Street, Orland, CA 95963	View Lobby Hours
Redding Cypress Branch	880 E. Cypress Avenue, Redding, CA 96002	View Lobby Hours
Eureka Mall Branch	838 West Harris Street, Eureka, CA 95503	View Lobby Hours
Hayfork Branch	7061 State Highway 3, Hayfork, CA 96041	View Lobby Hours
Redding Westside Branch	6392-J Westside Road, Redding, CA 96001	View Lobby Hours
Woodland Branch	630 Main Street, Woodland, CA 95695	View Lobby Hours
Weaverville Branch	595 Main Street, Weaverville, CA 96093	View Lobby Hours
Shasta Lake Branch	4715 Shasta Dam Boulevard, Shasta Lake, CA 96019	View Lobby Hours
Ferndale Branch	394 Main Street, Ferndale, CA 95536	View Lobby Hours
Anderson Branch	2686 Gateway Drive, Anderson, CA 96007	View Lobby Hours
Willits Branch	255 South Main Street, Willits, CA 95490	View Lobby Hours
Churn Creek Branch	2245 Churn Creek Road, Redding, CA 96002	View Lobby Hours
Mckinleyville Office	1640 Central Avenue, Mckinleyville, CA 95519	View Lobby Hours
Redding South Street Branch	1327 South Street, Redding, CA 96001	View Lobby Hours
Santa Rosa Branch	100 B Street, Suite 110, Santa Rosa, CA 95401	View Lobby Hours
Fortuna Branch	909 Main Street, Fortuna, CA 95540	View Lobby Hours
Arcata Branch	697 8th Street, Arcata, CA 95521	View Lobby Hours
Henderson Center Branch	2844 F Street, Eureka, CA 95501	View Lobby Hours
Messenger Service Branch	Fifth And Salem Streets, Chico, CA 95927	View Lobby Hours
Courier Service Branch	Serving Shasta And Trinity Counties, Redding, CA 96001	View Lobby Hours
Loan Center Branch	1836-1844 Park Marina Drive, Redding, CA 96001	View Lobby Hours
Roseville Highland Crossing Branch	1020 Pleasant Grove Boulevard, Roseville, CA 95678	View Lobby Hours
Roseville Corporate Center	3700 Douglas Boulevard, Roseville, CA 95661	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 292473	5.972%	5.875% 0.38 points $3,365 fees	$1,893	Learn More
NMLS ID: 613839	6.119%	5.990% 0.75 points $4,454 fees	$1,917	Learn More
NMLS ID: 399799	6.220%	6.125% 0.63 points $3,385 fees	$1,945	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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