First Farmers and Merchants Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Loretto Branch	U.S. Highway 43, Loretto, TN 38469	View Lobby Hours
Spring Hill Branch	5398 Main Street, Spring Hill, TN 37174	View Lobby Hours
Campbell Plaza Branch	James M. Campbell Boulevard, Columbia, TN 38401	View Lobby Hours
White Bluff Branch	2011 Tennessee Highway 47, White Bluff, TN 37187	View Lobby Hours
East Hickman Office	9512 Highway 46, Bon Aqua, TN 37025	View Lobby Hours
Northside Bankcenter	901 Nashville Highway, Columbia, TN 38401	View Lobby Hours
First Farmers And Merchants Bank	816 South Garden Street, Columbia, TN 38401	View Lobby Hours
High Street Branch	515 North High Street, Columbia, TN 38401	View Lobby Hours
Port Royal	4871 Port Royal Road, Spring Hill, TN 37174	View Lobby Hours
Pulaski Branch	302 South Second Street, Pulaski, TN 38478	View Lobby Hours
Cool Springs Office Branch	300 Billingsley Court, Franklin, TN 37067	View Lobby Hours
Lewisburg Branch	260 North Ellington Parkway, Lewisburg, TN 37091	View Lobby Hours
Hatcher Lane Branch	1618 Hatcher Lane, Columbia, TN 38401	View Lobby Hours
Mcewen Branch	1536 West Mcewen Drive, Franklin, TN 37067	View Lobby Hours
Lawrenceburg Branch	1501 North Locust Avenue, Lawrenceburg, TN 38464	View Lobby Hours
Mount Pleasant Branch	128 North Main Street, Mount Pleasant, TN 38474	View Lobby Hours
Crockett Branch	116 West Gaines Street, Lawrenceburg, TN 38464	View Lobby Hours
Centerville Branch	116 Church Street, Centerville, TN 37033	View Lobby Hours
Green Hills Branch	4013 Hillsboro Circle, Nashville, TN 37215	View Lobby Hours
Dickson County Office Branch	106 Hwy 70 East, Suite3, Dickson, TN 37055	View Lobby Hours
Saturn/Northfield Branch	Saturn Complex, U.S. 31 South, Spring Hill, TN 37174	View Lobby Hours
Berry Farms Branch	1004 Village Plains Blvd, Franklin, TN 37064	View Lobby Hours
Franklin Downtown Branch	121 1st Ave S, Franklin, TN 37064	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1661781	6.464%	6.375% 0.63 points $3,173 fees	$1,997	Learn More
NMLS ID: 2578474	6.473%	6.375% 0.75 points $3,290 fees	$1,997	Learn More
NMLS ID: 2006915 License#: RM805287000	6.528%	6.375% 1.00 points $5,145 fees	$1,997	Learn More
NMLS ID: 66247	6.561%	6.500% 0.63 points $2,042 fees	$2,023	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Rate See Table	Intro APR 7.600 % After Intro: 7.600 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification 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. 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. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) 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. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan requests are subject to eligibility requirements, application review, loan amount, loan term, 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 are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). 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 (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, 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. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

First Farmers and Merchants Bank - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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