Soy Capital Bank and Trust Company - Nationwide Branches

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Branch	Address	View Lobby Hours
East Pershing Road Branch	560 East Pershing Road, Decatur, IL 62525	View Lobby Hours
Route 36 Branch	4825 U.S. Route 36 East, Decatur, IL 62521	View Lobby Hours
First Federal Branch	455 North Main Street, Decatur, IL 62522	View Lobby Hours
Peoria Branch	4530 North University, Peoria, IL 61612	View Lobby Hours
Bloomington Branch	2306 E. Washington, Bloomington, IL 61704	View Lobby Hours
Champaign Branch	2009 Fox Drive, Suite D, Champaign, IL 61820	View Lobby Hours
Franklin Street Branch	1685 South Franklin Street, Decatur, IL 62525	View Lobby Hours
Soy Capital Bank And Trust Company	1501 East Eldorado Street, Decatur, IL 62525	View Lobby Hours
Kankakee Branch	125 Moomey Drive Suite 4, Bourbonnais, IL 60914	View Lobby Hours
Forsyth Branch	1090 South Route 51, Forsyth, IL 62535	View Lobby Hours
Messenger Service	1501 East Eldorado Street, Decatur, IL 62521	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1025894	6.728%	6.625% 0.88 points $3,398 fees	$2,049	Learn More
NMLS ID: 401822	6.782%	6.625% 1.00 points $5,195 fees	$2,049	Learn More
NMLS ID: 6606	6.834%	6.740% 1.00 points $3,110 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
Achieve Loans See Table	Intro APR 9.250 % After Intro: 9.250 %	$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

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