Please visit our merger resources page for more information around updating account information. If you have any questions, please do not hesitate to let a member of your branch team know or call us at 888.252.8932.
Similar to a credit card, a home equity line of credit (HELOC) is a revolving loan that allows you to borrow funds using the equity in your home as collateral. Homeowners love its flexibility in borrowing as funds can be used for various purposes such as home improvements, debt consolidation, educational expenses, or other needs.
Apply for Membership & heloc Existing Members - Apply Now for HELOC View HELOC Rates
A fixed-rate home equity loan is a great option if you're in need of a specific amount of money for a one-time expense. Borrowed against your home's equity, this loan offers the cash you need in one lump sum, with the benefit of paying off in predictable monthly payments.
Apply for Membership & Home Equity Loan Existing Members - Apply for a Home Equity Loan View Home Equity Loan Rates
Financial protection for the unexpected – protect the ones that matter most. Debt Protection could help your family’s financial situation against a variety of covered life events:
Take an important step toward financial security. Ask Heritage Family Credit Union about Debt Protection today.
Serving our member's needs through knowledge, skill, understanding, and compassion.
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1 If a property requires a full appraisal or title search, these costs will not be covered by Heritage Family Credit Union. If a borrower has already closed on a Home Equity Loan product within the last 12 months, the borrower will be responsible for the full closing costs on the second loan. Covered closing costs depend on the location of the property, property type, and the amount of the Home Equity Loan. Some exclusions and restrictions apply. All mortgage loans subject to credit approval. This offer is subject to change or cancellation without notice.
2 Not all borrowers will qualify. Some exclusions and restrictions apply. All mortgage loans subject to credit approval. Equal Opportunity Lender.
3 The WSJ Prime rate is the base interest rate on corporate loans as published regularly in the Wall Street Journal.
4 APR = Annual Percentage Rate. Rate listed is lowest possible rate, and only applicable if the Wall Street Journal Prime Rate drops low enough to allow that. Actual rate is based on your credit history and underwriting approval. Actual rate may be higher. Not all borrowers will qualify for the lowest rate. Lowest floor rate applies to new lines of credit only. Existing lines of credit are not changed from the parameters at the time of closing. Rate subject to change at any time. Equal Opportunity Lender.
5 Borrower would need to provide documentation on energy initiatives they are looking to undertake (solar panel proposal, quotes, contracts, etc.) in order to secure a discounted rate. Not all borrowers will qualify. Some exclusions and restrictions apply. All mortgage loans subject to credit approval. Equal Opportunity Lender.
6 Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. © TruStage DP-3415586.2-1123-1225