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HELOC Special — The Smart Way to Make Your Dreams Happen.

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For a limited time, get an introductory rate as low as 0.99% APR for 6 months, then variable as low as 4.00% APR. Plus, $0 closing costs.°

  • Flexibility of use: As you pay back the funds you've borrowed, they are available to use again for home renovations or repairs, college tuition, consolidating debt, vacations, or any large expense. Access your money by easily transferring the funds into your checking or using free HELOC checks.
  • Free, quick & easy application process: Apply for your HELOC online or stop into or call your nearest branch.
  • The interest you pay may be tax-deductible°°: For certain expenses, you can deduct the interest you pay. Discuss your options with a tax professional.

Use your HELOC for home improvement, debt consolidation, vacations, or just about anything!  Apply online in minutes.


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

$0 Closing Costs°

$0 Closing Costs°

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.

°APR=Annual Percentage Rate as of 05/05/2022. Special offer for complete applications from qualified applicants received from 2/14/2022-06/18/2022. Introductory rate is 0.99% APR for 80% loan-to-value and 1.99% APR for 90% loan-to-value. For qualified applicants, introductory rate is based on a new home equity line of credit of at least $10,000. Introductory rate will remain in effect for 6 months following closing of the loan, then changes at the beginning of the seventh month to a variable rate of Prime rate as published in The Wall Street Journal plus a margin ranging from 0% to 2.0%. The minimum APR is 4.00%- 5.00% (Floor) and will never exceed 18.00%. As of 05/05/2022, the Prime rate was 4.00%. Closing costs waived from $199- $249 for lines of credit from $10,000- $150,000 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. Existing lines of credit must increase by a minimum of $10,000 to qualify for intro rate and waived closing costs. Maximum home equity line, interest rate and monthly payment depend on home value and total loans secured by home. No annual fee. Subject to membership eligibility, credit approval, and a minimum share requirement of $5. Promotion, rate, or offer may change or end at any time without notice. °°Consult your tax advisor on deductibility. Equal Housing Opportunity. NMLS ID 412170.

Personal Loan

24 Months, as low as 7.99% APR*

Auto Loan

24 Months, as low as 1.99% APR*