First Financial Bank: Merkel Branch

301 Edwards
Merkel, TX 79536

Notable Rates	Vs. Others
Savings 0.10%	4.60% →
1-Year CD 3.19%	4.59% →
2-Year CD 3.29%	4.10% →
5-Year CD 3.29%	4.00% →
30-Year Mortgage N.A.	4.91% →
15-Year Mortgage N.A.	4.39% →
HELOC N.A.	0.99% →

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Your Location:
Kaysville,Utah

First Financial Bank : Merkel Branch — distance 884.52 mi

Deposit Rates - October 29, 2025

Savings and Money Market Rates	APY	MIN	MAX
Savings	0.01%	$2,500	$4,999	Learn More Reviews
Savings	0.10%	$2,500	$4,999	Learn More Reviews
Money Market	0.01%	$2,500	$2,999	Learn More Reviews
Money Market	0.02%	$2,500	$2,999	Learn More Reviews
Money Market	0.02%	$10,000	$14,999	Learn More Reviews
Money Market	0.01%	$10,000	$14,999	Learn More Reviews
Money Market	0.05%	$10,000	$14,999	Learn More Reviews
Money Market	0.01%	$25,000	$29,999	Learn More Reviews
Money Market	0.02%	$25,000	$29,999	Learn More Reviews
Money Market	0.05%	$25,000	$29,999	Learn More Reviews

CD Rates	APY	MIN	MAX
32 Days	1.51%	$500	-	Learn More Reviews
90 DAYS	2.32%	$500	-	Learn More Reviews
6 Mo CD	2.83%	$500	-	Learn More Reviews
12 Mo CD	3.19%	$500	-	Learn More Reviews
18 Mo CD	3.29%	$500	-	Learn More Reviews
24 Mo CD	3.29%	$500	-	Learn More Reviews
36 Mo CD	3.29%	$500	-	Learn More Reviews
48 Mo CD	3.29%	$500	-	Learn More Reviews
60 Mo CD	3.29%	$500	-	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.05%	$2,500	$3,499	Learn MoreShow Less

Loan Rates - October 29, 2025

There are currently no loan rates available for First Financial Bank:Merkel Branch

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Texas 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: 3138	5.967%	5.875% 1.00 points $3,200 fees	$1,893	Learn More
NMLS ID: 401822	6.002%	5.875% 0.75 points $4,395 fees	$1,893	Learn More
NMLS ID: 6606	6.330%	6.240% 1.00 points $3,053 fees	$1,969	Learn More

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Featured - Texas Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873. As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.500 % 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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