APR = Annual Percentage Rate. Rates effective as of March 17, 2017All rates are not created equal because borrowers are unique. Your Annual Percentage Rate (APR) could vary based on a combination of factors such as your credit history, age of collateral, loan to value, and / or the length of term. Unless otherwise noted, the rates below are the best available.

Owner Occupied Loans See Details

Loan Type/Term Base Rate
15 year Fixed or 30 year Fixed Please Call (920) 431-6688
3 Year ARM - Adjustable Rate Mortgage - (up to 90% LTV) 2.75%
5 Year ARM - Adjustable Rate Mortgage - (up to 90% LTV) 3.00%

The 30 year and 15 year fixed rate mortgages are sold to the secondary mortgage market.

Loan to Value > 80% requires Private Mortgage Insurance. The annual percentage rate listed includes only interest and not other costs. Add 0.25% on Mortgages above $417,000. NMLS Numbers.

Non-Owner Occupied Loans See Details

Loan Type/Term Base Rate
3 Year ARM - Adjustable Rate Mortgage 4.50%

The annual percentage rate listed includes only interest and not other costs. NMLS Numbers.

Vacation Home Loans See Details

Loan Type/Term Base Rate
3 Year ARM - Adjustable Rate Mortgage 4.25%

The annual percentage rate listed includes only interest and not other costs. NMLS Numbers.

Lot Loans See Details

Loan Type/Term Base Rate
60% EFMV or Zillow or 65% Appraised Value 5.50%
65.01-80% Appraised Value 5.99%

The annual percentage rate listed includes only interest and not other costs. NMLS Numbers.

New Home Construction Loans See Details

Loan Type/Term Base Rate
New Home Construction Permanent Financing at Harbor 4.50%
Permanent Fianancing not at Harbor 7.00%

The annual percentage rate listed includes only interest and not other costs. NMLS Numbers.

Home Equity Loans See Details

Home Equity Loans Base Rate
3 Year Fixed or 3 Year ARM 3.75%
5 Year Fixed or 5 Year ARM 4.25%

The annual percentage rate listed includes only interest and not other costs. NMLS Numbers.

Home Equity Line of Credit (HELOC) See Details

New Credit Lines $15,000 or Greater:
70% Estimated Fair Market Value or 80% Appraised Value Prime + 0.25%* 4.25%
80.01 - 90.00% Appraised Value Prime + 1.75%* 5.75%
New Credit Lines Under $15,000:
70% Estimated Fair Market Value or 80% Appraised Value Prime + 0.75%* 4.75%
80.01 - 90.00% Appraised Value Prime + 2.25%* 6.25%

*Prime Loan Rate as published in the Wall Street Journal. The annual percentage rate listed includes only interest and not other costs. Your minimum monthly payment will equal the greater of (a) $50.00 or (b) $1.50 for each $100 (and fraction thereof) of the outstanding balance as of the date of the most recent advance. NMLS Numbers.

Cars, Trucks, Motorcycles, Vans, Boats, RVs & Campers See Details

Model Years Base Rate 100% LTV or Lower Base Rate Above 100% LTV
2015 or Newer 2.49%* 3.49%*
2011– 2014 2.99%* 3.99%*
2007 – 2010 3.75%* 4.75%*

*NOTE: $5,000 new money required . Your Annual Percentage Rate (APR) could vary based on a combination of factors such as your credit history, age of collateral, Loan To Value (LTV), and / or the length of term.

 

ATV, Snowmobiles & Jetskis See Details

Model Years Base Rate 100% LTV or Lower
2013 or Newer (terms up to 48 months) 4.25%
Older Years Financed at the Personal Loan Rate

Kwik Cash Line of Credit See Details

Kwik Cash Base Rate
$5,000 max. per member 11.00%

Minimum Monthly Payments are the greater of $15 or $3 per hundred of outstanding balance.

 

Visa Credit Cards See Details

Card Carrier Base Rate
VISA Platinum Rewards with ScoreCard 9.50%

Personal Loans See Details

Base Rate
9.50%