First State Bank and Trust - Nationwide Branches

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Branch	Address	View Lobby Hours
First State Bank And Trust	950 North Highway 95, Bayport, MN 55003	View Lobby Hours
Oak Park Heights Branch	5891 Neal Avenue North, Oak Park Heights, MN 55082	View Lobby Hours
Boutwell's Landing - Town Square Bra	5590 Norwich Parkway, Oak Park Heights, MN 55082	View Lobby Hours
First State Bank And Trust	219 2nd Street South, Hudson, WI 54016	View Lobby Hours
Stillwater Branch	125 New England Place, Stillwater, MN 55082	View Lobby Hours
St. Andrews Village Branch	240 East Avenue, Mahtomedi, MN 55115	View Lobby Hours
Woodland Hill Branch	441 Stageline Road, Hudson, WI 54016	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1025894	6.479%	6.375% 0.88 points $3,487 fees	$1,997	Learn More
NMLS ID: 6606	6.584%	6.490% 1.00 points $3,158 fees	$2,021	Learn More
NMLS ID: 3030	7.476%	7.375% 1.00 points $3,200 fees	$2,211	Learn More
NMLS ID: 491986		points fees		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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