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

For 12 months, fixed rate as low as 0.99% APR* then variable rate as low as 4.00% APR*. Plus, $0 Closing Costs

Use your HELOC for home improvement, debt consolidation, vacations, or just about anything! Fall offer ends October 31, 2021 — apply online today.


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**

$0 with Fall HELOC Special*

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.

*APR=Annual Percentage Rate as of 09/13/2021 for complete applications from qualified applicants received from 9/13/2021-10/31/2021. 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 12 months following closing of the loan, then changes at the beginning of the thirteenth 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 03/01/2021, the Prime rate was 3.25%. Closing costs waived 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. 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. Consult your tax advisor on deductibility. 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. Equal Housing Lender. NMLS ID 412170. **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. NMLS ID 412170

30 Year Fixed Mortgage

3.125% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*