{"id":12,"date":"2022-07-25T12:28:23","date_gmt":"2022-07-25T12:28:23","guid":{"rendered":""},"modified":"2026-04-03T03:27:13","modified_gmt":"2026-04-02T20:27:13","slug":"loans-credit-2","status":"publish","type":"page","link":"https:\/\/www.harborstone.com\/wph\/workarea\/personal\/loans-credit-2\/","title":{"rendered":"Loans & Credit"},"content":{"rendered":"\t\t
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Loans & Credit<\/h2>\n\t\t\t\n\n

Life can throw you unexpected challenges \u2013 and exciting opportunities \u2013 when you least expect it. Personal loans and credit cards help you bridge those gaps wisely, so you stay on track with your financial plans.<\/p>\n\n\t\t<\/div>\n\t\t

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Explore some of our key features:<\/span><\/h3>\n\t\t\t\n\t\t\t\t\n\t\t\t
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Personal Loans<\/h3>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\t\t\t\t\n\t\t\n\n\t\t\t\t\n\t\t\t
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Credit Cards<\/h3>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\t\t\t\t\n\t\t\n\n\t\t\t\t\n\t\t\t
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Vehicle Loans<\/h3>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\t\t\t\t\n\t\t\n\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n\n
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Personal Line of Credit<\/h2>\n <\/div>\n
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With a personal line of credit, you have quick access to your money for whatever you want, whenever you need it. From that long-awaited family reunion to an unexpected trip to the vet, your cash is ready when you are.<\/h3>\n \n
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Rates are based on WSJ prime plus a margin (based on credit qualifications).<\/h3>\n <\/div>\n
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Loan amount limits up to $10,000, with a minimum of $250.<\/h3>\n <\/div>\n
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Rates are variable and can change monthly.<\/h3>\n <\/div>\n
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Protection against checking account overdrafts and fees.<\/h3>\n <\/div>\n
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Signature & Seasonal Loan<\/h2>\n <\/div>\n
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With a signature or seasonal loan, the term of your loan is determined by the total amount of the loan.<\/h3>\n \n
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Loan amounts of $250 to $25,000<\/h3>\n <\/div>\n
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Funds can be deposited into savings or checking.<\/h3>\n <\/div>\n
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Share Secured Loan<\/h2>\n <\/div>\n
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A secured loan lets you borrow against your own money and begin rebuilding credit at a low interest rate without fees or repayment penalties.<\/h3>\n \n
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Borrow against your savings (share) account or certificate.<\/h3>\n <\/div>\n
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Loan amount of $250 to $250,000<\/h3>\n <\/div>\n
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Rates calculated based on current share savings or certificate rate.<\/h3>\n <\/div>\n
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Share Secure term not to exceed 60 months.<\/h3>\n <\/div>\n
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Certificate loans must match the remaining term of certificate.<\/h3>\n <\/div>\n
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Short-Term Loan<\/h2>\n <\/div>\n
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Our short-term loan allows you to get the cash you need when you need it.<\/h3>\n \n
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Rate is fixed.<\/h3>\n <\/div>\n
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Loan amounts of $250 to $1,000.<\/h3>\n <\/div>\n
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Must be a member for at least 90 days.<\/h3>\n <\/div>\n
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Application fee and minimum payment amounts apply.<\/h3>\n <\/div>\n
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Cannot be opened online; give us a call or visit us in-branch.<\/h3>\n <\/div>\n
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Home Equity Line of Credit<\/h2>\n <\/div>\n
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A HELOC is a great way to take advantage of your home's equity, with flexibility and access to the funds when you need it most.<\/h3>\n \n
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Loan amounts from $10,000 to $250,000.<\/h3>\n <\/div>\n
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No annual fee or application fee.<\/h3>\n <\/div>\n
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Take advantage of a low variable rate.<\/h3>\n <\/div>\n
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Open on online, over the phone or in-branch.<\/h3>\n <\/div>\n
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You could be preapproved, login to your online banking to find out.<\/h3>\n <\/div>\n
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Personal Credit Cards<\/h3>\n
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Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you.<\/p>\n\n\n\n

No matter which card you choose, you’ll enjoy important features like<\/p>\n\n\n\n