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$699 Closing costs + low rate guaranteed when you purchase a new home.

Ready to buy a new home? Purchase a new home and pay only $699 in closing costsº – that’s it! Just think about what you can buy for your new home with all that savings.

Purchase your new home and take advantage of this limited-time special:

  • $699 closing costs when you refinance your home
  • No cash upfront
  • Get the lowest rate, guaranteedºº

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

Comparison table of our Mortgage options
Home Loan Basics

Our staff will work to get you the best mortgage rate and term for your needs, and get you a quick mortgage preapproval to help speed up the process.

First Time Home Buyer

We've got the tips and tools to make your first home buying experience fast and simple. Our first time home buyers program offers down payments as low as 5%, easy to follow application tracking and more.

Mortgage Refinance

We'll walk you through the mortgage refinancing process so you walk away feeling confident with your new mortgage.

Calculators & Rates

Make math easy with our list of free mortgage calculators. Find your monthly payment, how much house you can afford and more.

Ready to apply or to get a free pre-approval?

Or, not ready to apply yet? Ask a loan officer a question

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.

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 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*