Personal Loans For You And Your Family

Think of all the possibilities – vacation, repairs on the house, or purchasing a bigger car. At Heritage Bank, we are interested in what you need today and in the future. We view any financial loan need as being an integral part of you and your family’s well-being and will work hard to structure a loan that meets your immediate needs while keeping your overall financial goals in mind.

Loan Decisions Handled Locally

All loan decisions at Heritage bank are handled locally. We feel that this affords us the opportunity to grow with you, allowing you to build a long-term relationship with professional bankers who care about your financial needs.

Home Equity Loans

Do you need to make major improvements to your home? Do you have to pay for your child’s college education? What about that dream vacation you keep putting off? A Home Equity Line of Credit is an easy way to borrow money using the equity you have built up in your home.

With a Home Equity Line of Credit, you have easy access to funds. Once your line of credit is approved, you won’t have to visit us every time you have a borrowing need. You simply access your line when you need it. We offer both competitive fixed and variable rates on our lines.

To find out more about how a Home Equity Line of Credit can help you, call or visit your nearest Heritage Bank location today.

Second Mortgages

Heritage Bank offers second mortgages for major home improvements, additions, or even buying a car. A second mortgage allows you to take advantage of longer-term fixed interest rates and fixed monthly payments. The interest that you do pay may also be tax deductible. It is important to consult your personal tax advisor to find out if you would qualify for the tax advantage.

Personal Lines of Credit

Personal lines of credit are useful for meeting short-term cash needs to cover unexpected expenses such as automobile repairs, taxes or medical expenses. They are available from $1,000 to $5,000*, are generally unsecured and fall under the unsecured policy rules which is maximum loan of 1.5% times borrower’s monthly income or 10% of tangible net worth. You can borrow and repay on your line as needed.

Call or stop by your nearest Heritage Bank location today for more information. We are ready to help you with your personal financial needs.