State Employees' Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
CHARLOTTE - AIRPORT CENTER PKWY	4720 AIRPORT CENTER PKWY, CHARLOTTE, NC 28208	View Lobby Hours
CLAYTON	512 REGENCY PARK DR, CLAYTON, NC 27520	View Lobby Hours
ASHEVILLE - OAK PLAZA	1 OAK PLZ STE 101, ASHEVILLE, NC 28801	View Lobby Hours
NEWLAND	231 RIVER ST, NEWLAND, NC 28657	View Lobby Hours
ASHEVILLE - BILTMORE VILLAGE	20 ALL SOULS CRES, ASHEVILLE, NC 28803	View Lobby Hours
CHAPEL HILL - PITTSBORO STREET	310 PITTSBORO ST, CHAPEL HILL, NC 27516	View Lobby Hours
CHAPEL HILL - NORTH CHATHAM PARK	173 N CHATHAM PKWY, CHAPEL HILL, NC 27517	View Lobby Hours
ASHEBORO	1036 S PARK ST, ASHEBORO, NC 27203	View Lobby Hours
CHAPEL HILL - HAMILTON ROAD	1010 S HAMILTON RD, CHAPEL HILL, NC 27517	View Lobby Hours
ASHEVILLE - LONG SHOALS ROAD	231 LONG SHOALS RD, ARDEN, NC 28704	View Lobby Hours
RALEIGH - WADE AVE	1000 WADE AVE, RALEIGH, NC 27605	View Lobby Hours
MONROE	1790 DICKERSON BLVD, MONROE, NC 28110	View Lobby Hours
CHARLOTTE - UNIVERSITY CITY BLVD	8605 UNIVERSITY CITY BLVD, CHARLOTTE, NC 28213	View Lobby Hours
MOORESVILLE	111 BRAWLEY SCHOOL RD, MOORESVILLE, NC 28117	View Lobby Hours
MORGANTON - CARBON CITY ROAD	130 CARBON CITY RD, MORGANTON, NC 28655	View Lobby Hours
MORGANTON - ENOLA ROAD	221 ENOLA RD, MORGANTON, NC 28655	View Lobby Hours
MOUNT AIRY	805 S FRANKLIN RD, MOUNT AIRY, NC 27030	View Lobby Hours
MURFREESBORO	900 W MAIN ST, MURFREESBORO, NC 27855	View Lobby Hours
BURGAW	1000 N RHODES AVE, BURGAW, NC 28425	View Lobby Hours
NASHVILLE	1201 EASTERN AVE, NASHVILLE, NC 27856	View Lobby Hours
MOCKSVILLE	1235 YADKINVILLE RD, MOCKSVILLE, NC 27028	View Lobby Hours
RALEIGH - WAKEFIELD	12700 SPRUCE TREE WAY, RALEIGH, NC 27614	View Lobby Hours
NEW BERN - GLENBURNIE ROAD	1501 S GLENBURNIE RD, NEW BERN, NC 28562	View Lobby Hours
REIDSVILLE	1601 FREEWAY DR, REIDSVILLE, NC 27320	View Lobby Hours
ROANOKE RAPIDS	161 OLD FARM RD S, ROANOKE RAPIDS, NC 27870	View Lobby Hours
ROBBINSVILLE	370 TALLULAH RD, ROBBINSVILLE, NC 28771	View Lobby Hours
ROCKINGHAM	114 W FRANKLIN ST, ROCKINGHAM, NC 28379	View Lobby Hours
ROCKY MOUNT - FAIRVIEW ROAD	805 N FAIRVIEW RD, ROCKY MOUNT, NC 27801	View Lobby Hours
NEW BERN - HIGHWAY 70	2420 US HIGHWAY 70 E, NEW BERN, NC 28560	View Lobby Hours
MURPHY	1297 ANDREWS RD, MURPHY, NC 28906	View Lobby Hours
CONCORD - POPLAR TENT ROAD	5130 POPLAR TENT RD, CONCORD, NC 28027	View Lobby Hours
CLEVELAND COMMUNITY	28 OXHOLM CIR, GARNER, NC 27529	View Lobby Hours
1000 Wade Ave	1000 Wade Ave, Raleigh, NC 27605	View Lobby Hours
900 Wade Avenue	900 Wade Ave, Raleigh, NC 27605	View Lobby Hours
801 Hillsborough	801 Hillsborough St, Raleigh, NC 27603	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 292473	5.890%	5.750%	0.88	$4,901	$1,868	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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