Thinking of buying a new home or refinancing your current residence? Northern State Bank will work closely with you to make sure you select the best option for your needs. We offer many types of mortgages, including fixed-rate, adjustable rate and low down payment programs. We also make it easy to apply by helping you to complete the application at a convenient time at your home or office.

One of your best credit options may be borrowing from the equity accumulated in your home. In many cases, the interest is tax-deductible. At Northern State, you can choose the home equity line that works best for you:

• Fixed Rate Equity Loan
  

  Our low, fixed rate loans offer competitive rates and discounts if you repay through automatic deductions from your checking or savings account. Fixed, easy to manage payments help make budgeting easy. There are no points, fees or closing costs with this type of loan.

• Equity Reserve Line of Credit
  

  Our Equity Reserve Line of Credit lets you borrow when you need it, paying interest only on the amount you are using. It is a home equity line that is tailored to fit your lifestyle. When you want to use your line of credit, you simply write a check for the amount you need. Interest is charged only on the amount you use.

Are you looking for a way to afford the car you want without straining your budget? Northern State Bank’s auto loan offers flexible payment terms with no fees or closing costs. This loan is available for new and used cars. With our automatic payment service, you save time and money.

Whether you are planning home improvements, financing a child’s education or working on a special project, Northern State Bank offers a range of fixed rate loans. When your payments are deducted automatically from your Northern State checking or savings account, you can receive an additional rate discount.

At Northern State Bank you can borrow money against your Certificate of Deposit or Savings Account. We offer competitive rates with low fixed payments. Rates are based on the interest rate paid on your deposit account. We also offer fast approval with flexible and convenient repayment options.

For a complete set of terms, conditions, and fees for all of our products, please contact us at 201-767-9995 or stop in to see us at our branch.