Land Of Lincoln Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Colchester State Bank	113 Depot Street, Colchester, IL 62326	View Lobby Hours
Springfield	300 S Grand Ave W, Springfield, IL 62704	View Lobby Hours
Centralia	1535 W McCord St, Centralia, IL 62801	View Lobby Hours
Bloomington/Normal	115 Susan Dr, Normal, IL 61761	View Lobby Hours
Prosperity	4850 E Prosperity Place, Decatur, IL 62521	View Lobby Hours
Vandalia	925 New York Dr, Vandalia, IL 62471	View Lobby Hours
Mattoon	720 Broadway Ave, Mattoon, IL 61938	View Lobby Hours
Effingham	2302 S Banker St, Effingham, IL 62401	View Lobby Hours
Mound	3130 E Mound Rd, Decatur, IL 62526	View Lobby Hours
Oakland	2890 N Oakland Ave, Decatur, IL 62526	View Lobby Hours
Water	1435 N Water St, Decatur, IL 62526	View Lobby Hours
Pana	206 S Locust St, Pana, IL 62557	View Lobby Hours
22nd	151 N 22nd St, Decatur, IL 62521	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1001884 License#: 0922379	6.207%	6.125%	0.88	$2,800	$1,945	Learn More
NMLS ID: 401822	6.529%	6.375%	1.00	$5,195	$1,997	Learn More
NMLS ID: 1675638	6.592%	6.490%	0.75	$3,399	$2,021	Learn More
NMLS ID: 399799	6.592%	6.500%	0.63	$3,225	$2,023	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 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.45% - 10.95*, 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

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