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HOME EQUITY
Home Equity
PERSONAL
Personal
PROMO LOANS
Promo Loans
VEHICLE
Vehicle Loans
Home Equity Loan

Home Equity Loan

Reinvest in the life you have built with a home equity loan! This is a loan used by homeowners to borrow money. The equity of the home is used as collateral. 

  • Minimal closing costs
  • Terms up to 20 years
  • Fixed rate 
  • .50% rate reduction with autopay
Home Equity LOC

Home Equity LOC

Establish a line of credit to fund your next home improvement project, or even your next vacation! The possibilities are endless with a HELOC where the home is used as collateral for the line of credit.

  • Members only make payments on what they draw
  • 25 year term-10 yr period, 15 yr repayment period
  • During the draw period you are only required to pay interest you don't have to make any principal payments        


    Signature Loan

    Signature Loan

    With terms up to 60 months, make purchases and consolidate debts with a personal loan that meets your needs.
    Credit Rebuilder

    Credit Rebuilder

    The Credit Rebuilder Loan Program helps you establish or re-establish your credit when other typical means are not available. It is not just a loan, but a program that gets you back on the right track toward meeting your long-term financial goals.

    • Loan Amount up to $1000
    • Terms up to 12 months
    • We report your repayment behaviors to the credit bureau

    Overdraft Line of Credit

    Overdraft Line of Credit

    Overdraft Line of Credit protection can cover those times when you may need more money than you have available in your checking account.


    • Avoid fees returned or bounced payments
    • Avoid the embarrassment of a declined transaction
    • Build your credit

    Personal line of Credit

    Personal line of Credit

    Enjoy peace of mind and financial freedom with an unsecured personal line of credit. Known at HFCU as our Universal Line of Credit (Un-LOC), this product allows you the flexibility to access your money whenever you need it.

    • Upcoming large expenses - wedding, tuition, home projects
    • Debt consolidation
    • Extra cash when low on savings
    • No collateral needed
    Debt Consolidation Promo

    Debt Consolidation Promo

    Our Debt Consolidation loan takes your debt management headache and makes it MUCH easier to track, manage, and pay back.


    • Decrease your debt with rates as low as 8.99% APR* for a limited time
    • Consolidate your high rate loans and credit cards into one convenient payment
    • Take advantage of the security of a low, fixed interest rate




    APR* is Annual Percentage Rate. Rate shown is the lowest offered for the loan products advertised.

    Auto

    Auto

    With a wide range of terms and low rates, we can get you into your new ride easily and quickly.  Let us save you money by refinancing your current loan and help you lower your monthly payments!

    Boat

    Boat

    Want to sail the high seas? Heritage Financial has some of the best rates around!
    Motorcycle

    Motorcycle

    Start cruising with this motorcycle loan.

    Motorhome & RV

    Motorhome & RV

    Get ready to see this great land of ours with an RV Loan. We have some of the most competitive rates around!