Oak Valley Community Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Modesto Dale Branch	4120-B Dale Road, Modesto, CA 95350	View Lobby Hours
Mchenry Branch	3508 Mchenry Avenue, Modesto, CA 95356	View Lobby Hours
Bishop Branch	351 North Main Street, Bishop, CA 93514	View Lobby Hours
Mammoth Lakes Branch	307 Old Mammoth Road, Mammoth Lakes, CA 93546	View Lobby Hours
Stockton Branch	2935 West March Lane, Stockton, CA 95219	View Lobby Hours
Turlock Branch	2001 Geer Road, Turlock, CA 95382	View Lobby Hours
Patterson Branch	20 Plaza Circle, Patterson, CA 95363	View Lobby Hours
Escalon Branch	1910 Mchenry Avenue, Escalon, CA 95320	View Lobby Hours
Manteca Branch	191 W North St, Manteca, CA 95336	View Lobby Hours
Bridgeport Branch	166 Main Street, Bridgeport, CA 93517	View Lobby Hours
Ripon Branch	150 N Wilma Avenue #2, Ripon, CA 95366	View Lobby Hours
Sonora Branch	14580 Mono Way, Sonora, CA 95370	View Lobby Hours
Oakdale Branch	125n. Third Avenue, Oakdale, CA 95361	View Lobby Hours
Oak Valley Community Bank	125 North Third Avenue, Oakdale, CA 95361	View Lobby Hours
12th & I	1200 I Street #3, Modesto, CA 95354	View Lobby Hours
Tracy Branch	1034 North Central Avenue, Tracy, CA 95376	View Lobby Hours
Sonora-Downtown Branch	85 Mono Way, Sonora, CA 95370	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1835285	6.391%	6.250% 1.00 points $4,800 fees	$1,971	Learn More
NMLS ID: 1025894	6.717%	6.625% 0.75 points $3,049 fees	$2,049	Learn More
NMLS ID: 6606	6.837%	6.740% 1.00 points $3,194 fees	$2,074	Learn More
NMLS ID: 3030	7.602%	7.500% 1.00 points $3,200 fees	$2,238	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
Rate See Table	Intro APR 7.500 % After Intro: 7.500 %	$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.

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