Current Lending Rates
Home Mortgage Loans
| Type | Rate | APR* | Initial Rate Lock |
| 5 Year Fixed | 2.79% | 2.796% | Life of Loan |
| 10 Year Fixed | 2.99% | 2.993% | Life of Loan |
| 15 Year Fixed | 3.250% | 3.260% | Life of Loan |
| 20 Year Fixed | 3.875% | 3.885% | Life of Loan |
| 30 Year Fixed | 4.125% | 4.135% | Life of Loan |
| 30 Year FHA | 3.875% | 3.885% | Life of Loan |
| 1 Year ARM - as low as | 2.75% | 2.65% | 3 Years |
| 1 Year ARM - as low as | 3.00% | 3.04% | 5 Years |
| 1 Year ARM - as low as | 3.25% | 3.25% | 7 Years |
*APR is annual percentage rate. Rates effective June 18, 2013; subject to change at any time. Rates and fees may vary based on such factors as credit scores, loan-to-value ratio, type of property and amount of loan. The rates shown are for single family, owner-occupied properties.
Home Equity Loans
APR* |
APR w/ Checking and Autopay* |
Terms in Months |
| 5.45% | 5.20% | Up to 36 |
| 5.75% | 5.50% | 37 to 60 |
| 6.45% | 6.20% | 61 to 96 |
| 6.85% | 6.65% | 97 to 120 |
| 7.55% | 7.30% | 121 to 180 |
Home Equity Line of Credit
| APR* | Loan to Value |
| 1.94% | 80% or Less |
*APR is annual percentage rate. This Home Equity Line of Credit has a variable interest rate with a floor of 4.00% APR and a ceiling of 18.00% APR. Your APR will change of 1/1/14 to anywhere between Prim + .25% and Prime + 1.50% and whenever the Prime rate changes thereafter. Prime rate is teh advertised rate in the Wall Street Journal. As of 2/1/2013, prime is 3.25% + 1.50%; the APR would be 4.75%. APR range is determined by credit score. Available to qualified borrowers. Offer subject to change at any time. The yearly maintenance fee of $50 is waived the 1st year. Estimated costs are $255 due at the time of closing, excluding appraisal if needed. Home Owners Insurance is required. New lines only.
** FVSB is limited to making home equity loans in Wisconsin.
Construction Loan
| Type | Rate | APR* | Points |
| 6 Month Note | 2.95% | 3.985% | 0.50% |
*APR is annual percentage rate. Rates effective June 18, 2013; subject to change at any time. 2.95% apr loan rate applies to new construction loans only. On a $250,000 loan, estimated construction closing costs would be as low as $1,300.00. Six month construction note, interest is due monthly and an additional fee of .50% is applied.
Contact for more information
In Fond du Lac
Laurie Jarvenpaa (NMLS # 266441), ljarvenpaa@fvsbank.com
Chris Serres; (NMLS # 442235) cserres@fvsbank.com
Paula Thalacker; (NMLS #248375) pthalacker@fvsbank.com
Phone (920) 921-7220 or (800) 242-7880
In Oshkosh
Ben Ottum; (NMLS #44237) bottum@fvsbank.com
Phone (920) 231-1163
In Waupun
Derek Drews; (NMLS #442239) ddrews@fvsbank.com
Phone (920) 324-5528
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