Southern Bancorp Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Hamburg Branch	210 North Main, Hamburg, AR 71646	View Lobby Hours
Mound Bayou Branch	U. S. Highway 61, Mound Bayou, MS 38762	View Lobby Hours
Second Ave. Branch	2nd And Forest Street, Shelby, MS 38774	View Lobby Hours
Bismarck Branch	Highway 7 And Highway 84, Bismarck, AR 71929	View Lobby Hours
Lula Branch	Front Street, Lula, MS 38644	View Lobby Hours
Hernando Branch	970 Byhalia Road, Hernando, MS 38632	View Lobby Hours
Marvell Branch	911 Highway 49, Marvell, AR 72366	View Lobby Hours
Picayune Branch	9 Lakeshore Drive, Carriere, MS 39426	View Lobby Hours
Clarksdale Branch	875 South State Street, Clarksdale, MS 38614	View Lobby Hours
Lambert Branch	815 Darby Avenue, Lambert, MS 38643	View Lobby Hours
Barton Branch	6140 Hwy 49, Barton, AR 72312	View Lobby Hours
North Branch	807 North 6th Street, Blytheville, AR 72315	View Lobby Hours
Southern Bancorp Bank	601 Main Street, Arkadelphia, AR 71923	View Lobby Hours
Gosnell Branch	599 Airbase Highway, Blytheville, AR 72315	View Lobby Hours
Friars Point Branch	574 Second Street, Friars Point, MS 38631	View Lobby Hours
Indianola Branch	504 Highway 82 East, Indianola, MS 38751	View Lobby Hours
Cherry Street Branch	502 Cherry Street, Helena, AR 72342	View Lobby Hours
Round Branch	432 N Sebastian, West Helena, AR 72390	View Lobby Hours
Plaza Branch	425 East Plaza Street, West Helena, AR 72390	View Lobby Hours
Hot Springs Branch	4138 Central Avenue, Hot Springs, AR 71913	View Lobby Hours
Manila Branch	403 Highway 18 South, Manila, AR 72442	View Lobby Hours
Trumann Branch	326 Highway 463 North, Trumann, AR 72472	View Lobby Hours
Leland Branch	323 Hwy 82 East, Leland, MS 38756	View Lobby Hours
Manila Branch	319 North Baltimore, Manila, AR 72442	View Lobby Hours
West Pine Branch	2500 Pine St, Arkadelphia, AR 71923	View Lobby Hours
Timberland Branch	2421 North West Avenue, El Dorado, AR 71730	View Lobby Hours
Greenville Branch	215 South Broadway, Greenville, MS 38701	View Lobby Hours
Ash Street Branch	208 Ash Street, Malvern, AR 72104	View Lobby Hours
Airport Rd Branch	206 Airport Rd, Hot Springs, AR 71913	View Lobby Hours
Webb, Mississippi Branch	2058 Us Highway 49 East, Webb, MS 38966	View Lobby Hours
Madison Branch	1888 Main Street Crossing, Suite D, Madison, MS 39110	View Lobby Hours
Martin Luther King Branch	1868 Martin Luther King Jr., Boulevard South, Greenville, MS 38701	View Lobby Hours
El Dorado Branch	1615 West Hillsboro, El Dorado, AR 71730	View Lobby Hours
Main Street Branch	128 Main Street, Elaine, AR 72333	View Lobby Hours
Blytheville Branch	120 South Second Street, Blytheville, AR 72315	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1661781	6.464%	6.375% 0.63 points $3,173 fees	$1,997	Learn More
NMLS ID: 2578474	6.473%	6.375% 0.75 points $3,290 fees	$1,997	Learn More
NMLS ID: 2006915 License#: RM805287000	6.528%	6.375% 1.00 points $5,145 fees	$1,997	Learn More
NMLS ID: 66247	6.561%	6.500% 0.63 points $2,042 fees	$2,023	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Rate See Table	Intro APR 7.600 % After Intro: 7.600 %	$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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