American Bank & Trust - Nationwide Branches

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Branch	Address	View Lobby Hours
Pierre Br	700 East Sioux Avenue, Pierre, SD 57501	View Lobby Hours
Wolsey Branch	265 Commercial Avenue, Sw, Wolsey, SD 57384	View Lobby Hours
Mellette Branch	4 Main Street, Mellette, SD 57461	View Lobby Hours
De Smet Branch	212 Calumet Avenue, S.E., De Smet, SD 57231	View Lobby Hours
Huron Branch	1820 Dakota Avneue South, Huron, SD 57350	View Lobby Hours
Miller Branch	131 North Broadway, Miller, SD 57362	View Lobby Hours
American Bank & Trust	120 East Main Street, Wessington Springs, SD 57382	View Lobby Hours
Alpena Branch	100 Main Street, Alpena, SD 57312	View Lobby Hours
American Bank & Trust Branch	3405 S Sycamore Ave, Sioux Falls, SD 57110	View Lobby Hours
Sioux Falls River Centre Branch	200 East 10th Street, Sioux Falls, SD 57104	View Lobby Hours
Valley Exchange Bank	214 S Main St., Lennox, SD 57039	View Lobby Hours
Tea Branch	100 1st Main Street, Tea, SD 57064	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1835285	6.105%	6.000% 0.63 points $3,600 fees	$1,919	Learn More
NMLS ID: 447490	6.367%	6.250% 0.75 points $3,958 fees	$1,971	Learn More
NMLS ID: 401822	6.529%	6.375% 1.00 points $5,195 fees	$1,997	Learn More
NMLS ID: 6606	6.568%	6.490% 0.75 points $2,592 fees	$2,021	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
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
Figure Home Equity See Table	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, 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-$400K, 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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