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: 1067	6.686%	6.625% 0.63 points $2,035 fees	$2,049	Learn More
NMLS ID: 757416	6.720%	6.624% 1.00 points $3,178 fees	$2,049	Learn More
NMLS ID: 1025894	6.735%	6.625% 0.88 points $3,625 fees	$2,049	Learn More
NMLS ID: 2326098 License#: 60DBO-181478	6.763%	6.625% 0.88 points $4,766 fees	$2,049	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 7.300 % After Intro: 7.300 %	$15,000	Learn More More Info
Available APRs range from 6.65% - 15.40*, 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
Achieve Loans See Table	Intro APR 8.750 % After Intro: 8.750 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, 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 600 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 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (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 $852 for a 10-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% for debt consolidation and 85% for cash out requests, 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
The Loan Exchange See Table	Intro APR 10.950 % After Intro: 10.950 %	$0	Learn More More Info
Your rate will never increase above the start rate. California properties only. Max CLTV 75%. 5 year interest only followed by a 20 year repayment period. Up to $250,000 in Home Equity Line of Credit. Your rate will never go above the start rate. It can only go lower. Low monthly payment - Interest only for the first 5 years Get approved online in less than 5 minutes.

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