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Pay extremely low closing costs, plus we'll get you the lowest mortgage rate. Guaranteed, or we'll give you $100.

  • Only $249 in closing costs when you refinance or $699 when you purchase a new home°
  • We’re confident we can get you the lowest rate on your mortgage. Already approved with another lender? We'll beat your rate or give you $100.ºº Talk to a loan officer for details

Apply in as little as 20 minutes using our online mortgage application.


Featured Mortgage Rates:

Home Loans Table
Type/Term Rate/APR
30 Year Fixed

3.125% Rate**

3.181% APR*

20 Year Fixed

2.875% Rate**

2.953% APR*

15 Year Fixed

2.500% Rate**

2.598% APR*

10 Year Fixed

2.250% Rate**

2.392% APR*


Did you already start a mortgage application?

Log in to the Mortgage Center to check the status of your loan or view messages from your loan officer.


Ask us how to save each month with a mortgage refinance.

Now is a great time to refinance your existing mortgage with a new one to get a lower rate or monthly payment. Here's what one of our members had to say:

“Within a two week time frame, we were approved and closed on our home loan refinance. It really couldn’t have been easier.”

Kari, Madison Member

Apply for a home loan refinance today


Our mortgage calculators make math easy.

How much mortgage can I afford? Should I rent or own? How much will my monthly payment be? Use our mortgage payment calculators to get answers to these questions.

Find out how much mortgage you can afford
Calculate your monthly mortgage payment
Compare the costs of renting vs. buying

Mortgage Questions Table

Have mortgage questions?

We've got the answers.

First Time Home Buyers Learn about our first time home buyer program

Download a free mortgage planning toolkit

Read: 5 Tips for First Time Home buyers

Refinancing

Here are some tips on when to refinance your mortgage

Calculate how long it will take to break-even if you refinance your loan

General Questions

See today's mortgage rates

Contact us to set up a free mortgage consultation

Learn about our affordable home equity loans.

Do you already own a home and need a loan? Learn how you can use the equity you have in your house to borrow for home improvements and large purchases through a home equity line of credit or loan.
Learn more about home equity loans


 

**Fixed rates will be subject to change daily. Minimum score to qualify 620, 95% LTV maximum, owner occupied, DTI 43% max. Your actual rate may vary depending on the different factors in providing mortgage financing. °HOME REFI OFFER: $249 closing cost special is subject to change without notice. Closing costs waived from $1059-$1150 do not include prepaid fees, additional recording fees, and other miscellaneous costs. Also does not include cost of appraisal or title insurance, if required, which is an additional charge. The charge for an appraisal can range from $450 to $700. If this is a cash-out transaction, the title policy fee of $375 is an additional charge. No Adverse Market fees. Closing costs may be financed into the new loan. Special cannot be combined with other closing costs offer. Loan subject to approved credit and qualified collateral. First mortgages only. Minimum loan amount $20,000; maximum loan amount $399,999 for owner-occupied/primary residence only, 80% LTV or less, and 30-year maximum term. Property insurance required. Some restrictions may apply. Local servicing available. Payment example: $150,000 at 3.00%, 30-year fixed rate, is $632.58 per month for principal and interest. Payment does not include escrow for taxes and insurance but may be required, which may increase the monthly payment obligation. HOME PURCHASE OFFER: $699 closing cost special is subject to change without notice. Closing costs waived from $765-$939 do not include prepaid fees, additional recording fees, and other miscellaneous costs. Also does not include cost of appraisal, if required, is an additional charge. The charge for an appraisal can range from $450 to $700. Closing costs due at funding. Special cannot be combined with other closing costs offer. Loan subject to approved credit and qualified collateral. First mortgages only, owner-occupied/primary residence only, 80% LTV or less, and 30-year maximum term. Property insurance required. Some restrictions may apply. Local servicing available. Membership eligibility required. Payment example: $150,000 at 3.00%, 30-year fixed rate, is $632.58 per month for principal and interest. Payment does not include escrow for taxes and insurance but may be required, which may increase the monthly payment obligation. °°LOW RATE GUARANTEE: We’ll beat your rate or give you $100. Talk to a loan officer for details. Subject to qualified credit and membership eligibility. Pre-approvals do not qualify. Approval from other lender must be subject to specific property. The lender’s interest rate (APR) must not be supported by any third-party arrangements, including government programs such as FHA or VA loans. The lender’s interest rate must be widely available to all of its customers who share a similar credit risk profile. The interest rate (APR) must be for the same mortgage conditions that are being applied for at Heritage Credit Union, including but not limited to: property, loan amount, loan term, loan purpose and payment method. You need to be approved for identical interest rates and loan conditions at both the other lender and Heritage Credit Union. If requested by us, you will need to supply Heritage Credit Union with evidence that the other lender’s interest rate (APR) meets the Low Rate Mortgage Guarantee terms and conditions described here. This could include an approval letter, loan document containing the APR or other documentation. This offer expires at the time the borrower signs a rate lock form with Heritage Credit Union for a given mortgage. These terms and conditions are subject to change at any time without notice.

30 Year Fixed Mortgage

3.125% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*