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• Home Equity Line of Credit
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Home Equity Line of Credit

North Shore BankNorth Shore Bank (Bank) offers a new Bank Home Equity Line of Credit (HELC) loan, with a variable monthly Annual Percentage Rate (APR) as low as a fully indexed rate equal to the current daily published Prime Rate + a margin. The Bank's best fully indexed HELC loan has a floor rate (minimum) of 4% to a (maximum) 19.9%APR up to 80% Loan to Value (LTV). The actual Bank fully indexed HELC APR may vary based on; the amount of your credit limit; and if with auto-pay from a Bank checking account. Fully indexed rates equal Prime + 0%APR for $50,000 - $250,000; Prime + .50%APR for $25,000 - $49,999; or Prime + 1.00%APR on lines of $5,000 - $24,999 up to 80% LTV. As of 11/01/2009, Prime rate was 3.25% APR. Ask what the fully indexed current HELC rate is at time of your application. Without auto-pay from a Bank checking account add .50%APR to the above respective fully indexed HELC APR's based on your HELC credit limit and LTV. Paying the minimum interest only monthly payments will result in a balloon payment of the unpaid balance due at the end of the initial 12 month loan term, or any extensions, or renewals granted by Bank.. No closing costs on a HELC loan up to $100,000 to 80% LTV. For loans $100,001 to $250,000 up to 80% LTV, closing costs are an estimated $445-$950. Annual fee of $50 applies after the first year, unless the HELC loan carries a preceding 12-month average annual balance of $10,000 or more, and maintains a Bank checking account with automatic debit of any monthly payment due, then the annual fee is $0. A Fixed rate home equity conversion loan option is available up to 100% of your approved HELC loan amount. Conversion loan rates and term will vary depending on whether the line of credit is a first or second lien, and they are only available through your line of credit loan conversion option. To check current line of credit or conversion loan rates and terms, please contact our nearest branch. If this HELC is terminated by the customer during the first 3 years an early termination fee of $350 applies. Consult tax advisor regarding interest tax deductibility. Valid on qualified owner occupied properties in Bank lending area. Subject to Bank credit qualifications, current property value and loan approval. Property, flood and/or title insurance required if applicable on subject property. Offer not valid on existing Bank HELC loans, or other special HELC offers.

Installment Loans

North Shore Bank (Bank) offers other installment loan programs to applicants for auto, personal, boat, RV and miscellaneous loans to applicants residing and collateral located in its Wisconsin / Illinois market areas. Rates, terms, and features are for new loans, based on the type of equity and collateral offered, with repayment terms from 1 - 10 years. If loan term is not a fully amortized loan, a balloon payment will be due at loan maturity. Rates are subject to change. The above rates are As of 11/01/2009 and may have changed. To check current rates, please contact our nearest branch. Based on the type of loan and repayment plan selected the monthly payment per $1,000 borrowed will range from $11.35 to $87.57 Add 3% to the rate for any loan between $2,500 - $4,999. Any loan under $2,500 the rate is 18% APR.