Focus Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Marmaduke Facility	7281 Highway 34 East, Marmaduke, AR 72443	View Lobby Hours
East Prairie Facility	4950 South Highway 105, East Prairie, MO 63845	View Lobby Hours
Caruthersville Drive-In Facility	4th And Walker, Caruthersville, MO 63830	View Lobby Hours
Jonesboro Southwest Drive Facility	406 Southwest Drive, Jonesboro, AR 72401	View Lobby Hours
Hilltop Branch	3313 East Johnson Avenue, Jonesboro, AR 72401	View Lobby Hours
Caruthersville Facility	323 Ward Avenue, Caruthersville, MO 63830	View Lobby Hours
Paragould Highway 49 South Facility	3100 Linwood Drive, Paragould, AR 72450	View Lobby Hours
Paragould Kingshighway Facility	3005 W Kings Highway, Paragould, AR 72450	View Lobby Hours
Jonesboro Branch	2525 Red Wolf Blvd., Jonesboro, AR 72401	View Lobby Hours
Sikeston Facility	1150 South Main, Sikeston, MO 63801	View Lobby Hours
Focus Bank	101 South Main Street, Charleston, MO 63834	View Lobby Hours
Online Banking Branch	101 South Main, Charleston, MO 63834	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1835285	6.356%	6.250% 0.63 points $3,600 fees	$1,971	Learn More
NMLS ID: 2059741	6.507%	6.375% 0.75 points $4,442 fees	$1,997	Learn More
NMLS ID: 1025894	6.593%	6.490% 0.88 points $3,433 fees	$2,021	Learn More
NMLS ID: 6606	6.823%	6.740% 0.88 points $2,710 fees	$2,074	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 7.350 % After Intro: 7.350 %	$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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