Exchange Bank & Trust : Effingham Branch
423 Main Street
Effingham , KS 66023
Featured Home Equity Rates in Kansas
Intro APR : 6.240 %
After Intro: 6.240 %
$0
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
Intro APR : 6.950 %
After Intro: 6.950 %
$15,000
Flexible terms, borrow $15K-$750K, 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
Intro APR : 6.990 %
After Intro: 6.990 %
$0
Competitive rates, Pre-qualify in minutes
Mortgage Advisors standing by to help find the best solution
Flexible terms with fast funding
Minimum credit score: 600
Home Equity Loans & Refinance – Cash out
$0
Home Equity Loans & Refinance – Cash out
Customized rate quote with no impact to credit
Low Rates, Quick Approvals, Wide Range of Products
Over 100 Billion Funded. 22 Years in Business
NMLS ID: 1802847 /
Updated 2026-04-03
Renovating? Work with experts in renovation financing
$0
Renovating? Work with experts in renovation financing
Borrow up to 125% on your current home value to finance renovations
Loans up to $750k with competitive rates from Credit Unions
Borrow more than a typical HELOC
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Featured 30-Year Fixed Mortgage Rates in Kansas
0.000%
$0
Fees & Points
$0 Total
0.000 Pts
($0)
Keep more money in your pocket by rolling closing costs into your loan
Maximize your savings with custom options that fit your financial goals
Tap into your home’s equity with a cash-out refinance
6.327%
$1,971
Fees & Points
$2,602 Total
0.813 Pts
($2,602)
Lower your monthly mortgage payment with a streamlined refinance
Keep more money in your pocket by rolling closing costs into your loan
Maximize your savings with custom options that fit your financial goals
Fees & Points
Total
Pts
($0)
Refinance to lower your rate
Free up room in your budget by paying off high-interest debt
Explore 350,000+ 5-star reviews
Fees & Points
Total
Pts
($0)
Your home's value could help you save.
Turn your equity into opportunity.
Calculate your home equity loan options with lenders.
Fees & Points
Total
Pts
($0)
Low rates, quick quote & approval
92% of clients discover savings in
Real savings, real fast - $1100 avg monthly savings
Fees & Points
Total
Pts
($0)
Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms
Fees & Points
Total
Pts
($0)
Apply in less than 10 minutes.
Fast, stress-free closing in as little as 16 days
More loan types so you’re more likely to qualify
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
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