Heartland Bank and Trust Company - Nationwide Branches

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Branch	Address	View Lobby Hours
Genoa Branch	327 West Main Street, Genoa, IL 60135	View Lobby Hours
Farmer City State Bank Branch	333 South Main Street, Farmer City, IL 61842	View Lobby Hours
Market Street Branch	2231 West Market Street, Bloomington, IL 61704	View Lobby Hours
Morton Main Street Facility	223 South Main Street, Morton, IL 61550	View Lobby Hours
East Oakland Avenue Branch	2111 East Oakland Avenue, Suite A, Bloomington, IL 61701	View Lobby Hours
Springfield Road Branch	2101 West Springfield Road, Champaign, IL 61821	View Lobby Hours
Princeton North	2101 North Main Street, Princeton, IL 61356	View Lobby Hours
Sandwich County Line Branch	21 Gletty Road, Sandwich, IL 60548	View Lobby Hours
Carlock Branch	207 West Washington Street, Carlock, IL 61725	View Lobby Hours
Motor Facility	202 West Center Street, Eureka, IL 61530	View Lobby Hours
Main Street Bloomington Branch	205 North Main Street, Bloomington, IL 61702	View Lobby Hours
Bank Of Illinois Branch	200 West College Avenue, Normal, IL 61761	View Lobby Hours
Sandwich Facility	200 East Church Street, Sandwich, IL 60548	View Lobby Hours
South Main Street Branch	1821 South Main Street, Eureka, IL 61530	View Lobby Hours
Normal Branch	1725 Fort Jesse Road, Normal, IL 61761	View Lobby Hours
Courtland Street Morton Il Branch	179 East Courtland Street, Morton, IL 61550	View Lobby Hours
Aurora Branch	1575 Ogden Avenue, Aurora, IL 60503	View Lobby Hours
Plainfield Branch	14901 S. Route 59, Plainfield, IL 60544	View Lobby Hours
130 South Main Street Branch	130 South Main Street, Washington, IL 61571	View Lobby Hours
130 North Church Street Branch	130 North Church Street, Gibson City, IL 60936	View Lobby Hours
Somonauk Branch	128 South Depot Street, Somonauk, IL 60552	View Lobby Hours
Huntley Branch	12101 Regency Square Parkway, Huntley, IL 60142	View Lobby Hours
116 S Main St Branch	116 South Main Street, Mackinaw, IL 61755	View Lobby Hours
Plano Branch	11500 E. Route 34, Plano, IL 60545	View Lobby Hours
Windsor Office Branch	1101 W Windsor Road, Champaign, IL 61821	View Lobby Hours
108 North Main Street Branch	108 North Main Street, Eureka, IL 61530	View Lobby Hours
105 N. Menard Branch	105 N. Menard, Metamora, IL 61548	View Lobby Hours
The First's Place Facility	100 South Cummings Lane, Washington, IL 61571	View Lobby Hours
Spring Valley Branch	100 East Dakota Street, Spring Valley, IL 61362	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 2890 License#: MBMB.850089.000	6.750%	6.625% 1.00 points $4,141 fees	$2,049	Learn More
NMLS ID: 66247	6.804%	6.750% 0.50 points $1,770 fees	$2,076	Learn More
NMLS ID: 2592312 License#: RM.805266.000	6.966%	6.875% 0.50 points $3,145 fees	$2,103	Learn More
NMLS ID: 1025894	6.977%	6.875% 0.88 points $3,334 fees	$2,103	Learn More

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Featured - Home Equity Line Of Credit Rates 2024

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
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$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

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