The State Bank and Trust Company - Nationwide Branches

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Branch	Address	View Lobby Hours
Paulding Banking Center Branch	Main And Caroline Streets, Paulding, OH 45879	View Lobby Hours
Market St Branch	930 West Market Street, Lima, OH 45805	View Lobby Hours
Sylvania Branch	6401 Monroe Street, Sylvania, OH 43560	View Lobby Hours
Perrysburg Branch	610 East South Boundary, Perrysburg, OH 43551	View Lobby Hours
Wauseon Branch	515 Parkview, Wauseon, OH 43567	View Lobby Hours
Motor Branch	500 Third Street, Defiance, OH 43512	View Lobby Hours
The State Bank And Trust Company	401 Clinton Street, Defiance, OH 43512	View Lobby Hours
Delta Branch	312 Main Street, Delta, OH 43515	View Lobby Hours
Luckey Branch	235 Main Street, Luckey, OH 43443	View Lobby Hours
Walbridge Branch	311 North Main Street, Walbridge, OH 43465	View Lobby Hours
Oakwood Branch	218 North First Street, Oakwood, OH 45873	View Lobby Hours
Northtowne Branch	1600 North Clinton Street, Defiance, OH 43512	View Lobby Hours
Bryan Banking Center Branch	1419 West High Street, Bryan, OH 43506	View Lobby Hours
Lyons Branch	133 East Morenci Street, Lyons, OH 43533	View Lobby Hours
Fort Wayne Branch	12832 Coldwater Road, Fort Wayne, IN 46845	View Lobby Hours
East Main Street Branch	1201 East Main Street, Montpelier, OH 43543	View Lobby Hours
Pioneer Banking Center Branch	119 South State Street, Pioneer, OH 43554	View Lobby Hours
Findlay Banking Center Branch	201 E. Lincoln Street, Findlay, OH 45840	View Lobby Hours
Dublin Banking Center Branch	4080 West Dublin-Granville Road, Dublin, OH 43017	View Lobby Hours
Bowling Green Banking Center	1232 N. Main St., Bowling Green, OH 43402	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1835285	6.254%	6.125% 0.88 points $4,403 fees	$1,945	Learn More
NMLS ID: 2262032 License#: RM.804810.000	6.317%	6.250% 0.38 points $2,250 fees	$1,971	Learn More
NMLS ID: 1661781	6.374%	6.250% 1.00 points $4,373 fees	$1,971	Learn More
NMLS ID: 1067	6.458%	6.375% 0.88 points $2,781 fees	$1,997	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 7.350 % After Intro: 7.350 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, 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 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. Offers may vary and 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 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 8.75% - 15.75% 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 and can fluctuate during the draw period. 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

The State Bank and Trust Company - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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