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Low rate HELOC — The Smart Way to Make Your Dreams Happen.

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Use your HELOC for home improvement, debt consolidation, vacations, or just about anything! 


Fixed Rate Home Equity Loan

With a fixed rate home equity loan, you borrow a fixed amount and pay back the loan over a pre-determined period of time. The monthly payment for a fixed rate loan is typically higher than a line of credit, but you may pay off the loan quicker.

Home Equity Loans Table

Home Equity Line of Credit

Fixed Rate Home Equity Loan

Monthly Payments Minimum of $50, or as low as 1% of amount financed Set amount
Financing Up to 90% Up to 90%
Repayment Term Up to 22 years Up to 15 years
Closing Costs

As low as $199**

As low as $199**

Annual Fee No, for qualified credit No
Tax Deductible Interest** Yes Yes

The home equity interest you pay may be tax-deductible.

The interest you pay on a home equity loan or line of credit may be tax-deductible, which further reduces the cost of borrowing. This type of deduction is not available for interest paid on credit cards, car loans, and personal loans. See your tax advisor on tax-deductibility.

**Closing costs range from $199- $249 do not include cost of appraisal or title insurance, if required, is an additional charge. The charge for an appraisal can range from $450 to $700. Property insurance required. The proceeds of the new line of credit cannot be used to pay off existing Heritage loans or lines of credit. Maximum home equity line, interest rate and monthly payment depend on home value and total loans secured by home. Consult your tax advisor on deductibility. No annual fee. Subject to membership eligibility, credit approval, and a minimum share requirement of $5. Offer or rate may change or end at any time without notice.

30 Year Fixed Mortgage

3.625% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*