Auto, motorcycle, boat, RV, any vehicle that you can think of. New or used, we would like to make you this loan! Competitive rates and terms can help you afford your dream machine today.

With your good credit history, personal loans are NOT a thing of the past. Stop in and see if you qualify for a personal loan that can be used for just about any purchase under the sun!

Our town is virtually surrounded by some of the best farm-ground in the nation. It is no secret that Harvard State Bank specializes in ag and ag-business loans. This is what we know, and this is what we do best! Whether the need is short-term operating capital, intermediate machinery purchases or re-financing, or long-term land purchases, we can help. We will spend a lot of time with you throughout the year as needed, and our expertise can help make your operation a successful one. We have over eighty years experience in ag-lending in the bank. We are always looking for new customers, so stop in today and we would be happy to take a look at your operation.

Beginning  in 2007 our bank now offers competitive secondary mortgage financing! Contact Nick Voorhees to see if you qualify for these long-term traditionally low interest rate home loans. The Harvard State Bank is proud of the fact that we do make a lot of home loans that are either too small or too short of a term to qualify for the secondary market. We also can provide interim financing as you fix up your home at your own speed, and help you with a term loan at the end of the project!

The present tax laws simply beg you to use any home equity that you may have in your home to finance a loan for any purpose! As long as you meet equity requirements, the interest on these loans is tax-deductible (as opposed to other consumer and credit card loans). If you have credit needs now or simply want to consolidate several other bills into one, a home equity loan with the Harvard State Bank may be a smart thing to do.  We are very competitive on terms and fees, and can save you some tax dollars!

Have a dream for a new business, or simply need some help getting your present business rolling again? The loan officers at the Harvard State Bank are there to assist you. We can provide short-term operating to help cover your account receivables as well as finance new equipment, inventory, or real estate! Our goals are the same. A profitable business can provide the owner/operator with a very nice living. If you have the business savvy, we may have the loan terms for you!

We would like to help you with all of your insurance needs at the Harvard State Insurance Agency. Our agency is located right down the street from the bank and is managed by Rick Schwindt and Ruby Adam. Rick and Ruby are both fully licensed and very knowledgeable regarding all types of insurance, ranging from auto, homeowner's and farmowner's to federal crop and hail insurance. The Harvard State Insurance Agency represents several different companies so they can shop around for you and help you find the coverage you need at a competitive price. When you have an insurance need, think of Rick Schwindt and Ruby Adam at the Harvard State Insurance Agency!

*No information on this site is intended to constitute an offer to sell or a solicitation of an offer to buy shares of any security, nor shall any security be offered or sold to any person, in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under securities laws of such jurisdiction.  Registered Representatives of LPL Financial whose identities and associations are disclosed on this site may only discuss securities or transact business with persons who are residents of the following states:
   
    Alabama, Ilinois, Colorado, Florida, Texas, Kansas, North Carolina, Nebraska, Oregon, Washington, Virginia

If your state is not listed, please locate a LPL Financial Registered Representative in your state of residence by accessing http//www.lpl.com or calling 1-800-877-7210.

Your investment portfolio is very safe and conservative when it is made up of Harvard State Bank accounts and Time Certificates of Deposit. There are many situations, however, where financial experts will recommend including mutual funds, annuities and other types of non-deposit investments to help you diversify and round out your portfolio. Bill Lindsteadt, CFP, of Oakeson, Steiner and Lindsteadt is there to help you with these needs! The Harvard State Bank has an arrangement with Bill and his excellent firm which can help you out in this investment arena and at the same time allow you to continue doing your business locally with people you know and can trust. Bill is fully-licensed through LPL Financial and is very knowledgeable in the areas of retirement planning, estate planning, tax-advantaged investing, mutual funds, and annual portfolio review. He can help taylor an investment plan for you, whether you wish to have an aggressive portfolio, a more conservative mix of investments, or somewhere in between. Call Oakeson, Steiner and Lindsteadt at 402-461-3000 or 800-835-7885 to set an appointment to meet with Bill.  His office is located in the Burlington Center (747 N. Burlington, Suite 222) in Hastings.

                                            Securities, Financial Planning and Insurance Products offered through
                                                          LPL Financial  Member FINRA/SIPC

                  Investment products are:

•     Not FDIC Insured
•     Not a deposit
•     No Bank Guarantee
•     May Lose Value
•     Not Insured by Any Government Agency
•     Harvard State Bank is not a broker dealer and is not affiliated with nor endorsed by LPL Financial
•     Harvard State Bank has a contractual arrangement with LPL Financial to provide broker/dealer services to Bank customers and the general public on Bank premises

Harvard State Bank Credit Cards
Bank-by-Mail 
Direct Deposit and automatic debit capabilities
Bank-by-phone with CenterVoice - check accounts and make transfers (FREE SERVICE & toll-free number - 1-877-472-9254) 
Night Depository
Convenient Drive-up Window 
24-Hour ATM 
Four sizes Safe Deposit Box Rentals (from as little as $15.00/year) 
Cashier's Checks, Money Orders, Traveler's Checks 
Free Notary Service
Coin Counting, fax service, copy machine

Returned Checks-$18.00

Metavante bill-pay service vender charge of $25.00 in addition to above fee for NSF bill-pay
Overdrafts-$18.00 - $18.00 charge every ten days if balance remains overdrawn
End-of-year CD including all internet banking/bill pay items for entire year - $25.00
Charge Back Returned Checks $5.00 per item 
Stop Payment -$5.00 per Stop Payment.  A Signed Stop Payment order must be on file with the bank within 10 days of your verbal request
 Statement Reconciliation - $10.00 per hour 
Research time-$10.00 per hour $1.00/item or per page
Collection Items-$5.00 per item 
Wire Transfers-$20.00 outgoing No charge incoming 
Cashier's Checks-$2.00 per check
 Money orders-$1.00 each 
Check Cashing Fee for non-customers-$1.00 per hundred $1.00 Phone Call $10.00 maximum Coin Counting no charge
 Fax Machine incoming-$1.00 per page    Outgoing Fax $2.00 per call $1.00 per page 
Notary Services No Charge 
Transcripts $1.00 each 
Copy Machine 10 cents per copy
 ATM Card-$5.00 fee for replacing lost or damaged card   $1.00 usage fee for each savings or checking withdrawal made from non-Harvard State Bank ATMs.

 SAFE DEPOSIT BOX RENTALS 
 3"x5"       $15.00 per year
 3"x10"     $20.00 per year
 5"x10"     $25.00 per year
 10"x10"   $35.00 per year