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Welcome Tri State Area FCU Members to Heritage Family Credit Union!

Now that the banking system transition is complete, we want to officially welcome you to HFCU! We’ve prepared a wide range of resources to make settling into your new financial home a little easier. 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.

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Green Loans

Green Auto Loans

Special rates on high-fuel economy-rated vehicles

Learn More About Green Auto Loans

Home Efficiency Loans

Financing on alternative energy, renewable energy, or home energy efficiency projects

Learn More About Home Efficiency Loans


An electric car sits parked and charging

recharge your options

Green auto loans

  • A discount of .50% APR 1 off regular secured loan rates will be offered.
  • Extended terms are available for up to 84 months.
  • Available on high fuel economy-rated vehicles with an average of 30 mpg city and highway miles or better.
  • Miles per gallon (MPG) calculated according to information found at JDPower.com

Apply For a Green Auto Loan  Check Auto Rates

A young woman sits amongst solar panels

Soak up the sun

Energy EFFICIENCY & Solar LOANS

Use the Energy Efficiency Loan to increase the efficiency of your home, such as new appliances, sealing a drafty house, solar panels, and so much more! The loan has a maximum amount of up to $40,000 financing and rates as low as 7.70% APR 2 . Proof of work to be done is required.

We know not everyone has equity in their home. Our Solar Loans do not require your home as collateral, which skips the need for an appraisal or title work.

  • Special rates are available with terms up to 15 years, with a 20-year amortization.
  • Low monthly payments.
  • No pre-payment penalties.

apply for an energy efficiency or solar loan  Check current rates

An energy efficient lightbulb lays on some grass next to a piggy bank.

Embrace Sustainable Living

Green home equity loans

A greener home is all part of living a more sustainable lifestyle. Find helpful information on the latest offers to help your family use the equity in your primary or second home to finance your renewable energy, home energy efficiency, or solar project while contributing to overall environmental preservation.   

    • Low introductory rates
    • No closing costs, in most cases 3
    • Finance up to 100% of the available equity in your home 4
    • Finance up to 7 years

APPLY FOR A GREEN HOME EQUITY LOAN  Check Current Home Equity Rates Contact the Mortgage Team

Disclosures

1 APR=Annual Percentage Rate. To receive advertised rate discount, member must disclose intention to purchase an eligible vehicle at time of loan application. Rates published on this website do not currently account for this discount of 0.50% APR off auto loan rates. Some exclusions and restrictions apply. All loans subject to credit approval. This offer is subject to change or cancellation without notice.

2 APR = Annual Percentage Rate. Actual rate may vary based on creditworthiness. Not all borrowers will qualify for the lowest rate.

3 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.

4 Not all borrowers will qualify. Some exclusions and restrictions apply. All mortgage loans subject to credit approval. Equal Opportunity Lender.