Southern Bank and Trust Company - Nationwide Branches

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Branch	Address	View Lobby Hours
Lynnhaven Branch	601 Lynnhaven Parkway, Virginia Beach, VA 23452	View Lobby Hours
Colley Avenue Branch	4815 Colley Avenue, Norfolk, VA 23508	View Lobby Hours
Hilltop Branch	1756 Laskin Rd, Virginia Beach, VA 23454	View Lobby Hours
Manteo Branch	704 Us 64, Manteo, NC 27954	View Lobby Hours
Clinton Main Branch	1008 Sunset Avenue, Clinton, NC 28328	View Lobby Hours
Red Oak Branch	8315 Red Oak Boulevard, Red Oak, NC 27868	View Lobby Hours
Garland Branch	83 S Bladen Ave, Garland, NC 28441	View Lobby Hours
Scotland Neck Branch	810 South Main Street, Scotland Neck, NC 27874	View Lobby Hours
North Breazeale Branch	800 North Breazeale Avenue, Mount Olive, NC 28365	View Lobby Hours
Plymouth Branch	612 Washington Street, Plymouth, NC 27962	View Lobby Hours
Bethel Branch	7458 Main Street, Bethel, NC 27812	View Lobby Hours
Ahoskie Branch	506 East Main Street, Ahoskie, NC 27910	View Lobby Hours
Winterville Branch	4259 Winterville Parkway, Winterville, NC 28590	View Lobby Hours
Farmville Branch	4217 East Church Street, Farmville, NC 27828	View Lobby Hours
Kenansville Branch	416 South Main Street, Kenansville, NC 28349	View Lobby Hours
Norfolk Branch	403 Boush Street, Norfolk, VA 23510	View Lobby Hours
Sharpsburg Branch	3920 South Hathaway Blvd., Sharpsburg, NC 27878	View Lobby Hours
Virginia Beach Blvd Branch	3720 Virginia Beach Blvd, Virginia Beach, VA 23452	View Lobby Hours
Westridge Branch	3690 Sunset Avenue, Rocky Mount, NC 27804	View Lobby Hours
Murfreesboro Branch	336 East Main Street, Murfreesboro, NC 27855	View Lobby Hours
Western Branch	3343 Western Branch Blvd, Chesapeake, VA 23321	View Lobby Hours
Winton Branch	301 North Main Street, Winton, NC 27986	View Lobby Hours
Aurora Branch	298 North Fifth Street, Aurora, NC 27806	View Lobby Hours
Ayden Branch	236 3rd St., Ayden, NC 28513	View Lobby Hours
Greenville Main Branch	2310 South Charles Boulevard, Greenville, NC 27858	View Lobby Hours
Greenville Medical Center	2275 Stantonsburg Road, Greenville, NC 27835	View Lobby Hours
Rocky Mount Branch	230 Sunset Avenue, Rocky Mount, NC 27804	View Lobby Hours
Suffolk Office Branch	221 Western Ave, Suffolk, VA 23434	View Lobby Hours
Nashville Branch	209 Barnes Street, Nashville, NC 27856	View Lobby Hours
La Grange Branch	208 South Caswell Street, La Grange, NC 28551	View Lobby Hours
Gatesville Branch	203 North Main Street, Gatesville, NC 27938	View Lobby Hours
Kill Devil Hills Branch	202 South Croatan Highway, Kill Devil Hills, NC 27948	View Lobby Hours
Deep Run Branch	1916 Tulls Mill Rd., Deep Run, NC 28525	View Lobby Hours
Kempsville Branch	1870 Kempsville Road, Virginia Beach, VA 23464	View Lobby Hours
Belhaven Branch	148 East Main Street, Belhaven, NC 27810	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1429043 License#: RM.804500.000	6.541%	6.375% 0.75 points $5,600 fees	$1,997	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

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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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