West Central Bank - Nationwide Branches
| Branch | Address | View Lobby Hours |
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Rushville Branch
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U.S. Routes 24 And 67, Rushville, IL 62681 |
View Lobby Hours
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Fremont Street Branch
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Sylvan And Fremont Streets, Ashland, IL 62612 |
View Lobby Hours
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West Central Bank
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400 E Buchanan, Ashland, IL 62612 |
View Lobby Hours
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Beardstown Branch
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122 South State Street, Beardstown, IL 62618 |
View Lobby Hours
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Beardstown Il Facility
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1 Plaza Drive, Beardstown, IL 62618 |
View Lobby Hours
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Springfield Branch
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3600 Wabash Avenue, Springfield, IL 62711 |
View Lobby Hours
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Featured - 30 Year Fixed Mortgage Rates 2025
NMLS ID: 1513908
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5.695%
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5.500%
0.75 points
$7,014 fees
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$1,817
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NMLS ID: 1835285
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5.830%
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5.750%
0.88 points
$2,800 fees
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$1,868
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NMLS ID: 399799
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6.115%
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6.000%
0.88 points
$4,112 fees
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$1,919
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Featured - Home Equity Line Of Credit Rates 2025
Achieve Loans
See Table
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Intro APR
6.740 %
After Intro:
6.740 %
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$0
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More Info
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Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity.
- Competitive rates, Pre-qualify in minutes
- Mortgage Advisors standing by to help find the best solution
- Flexible terms with fast funding
- Minimum credit score: 600
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Figure Home Equity
See Table
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Intro APR
6.850 %
After Intro:
6.850 %
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$15,000
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More Info
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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
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Third Federal Savings and Loan
See Table
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Intro APR
6.990 %
After Intro:
6.990 %
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$0
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More Info
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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
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