Personal Loans. Local Decisions. No Surprises.

Personal Loan Options

From planned expenses to life’s curveballs, our personal loan options come with fixed rates and personal service.

Get Started Now
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Smarter Lending, Built Around You.

  • A Direct Lender - Work directly with Heritage Bank's experienced lending team.
  • Local Lending Decisions – Faster, personal service, right here in your community.
  • Transparent Loan Terms - No prepayment penalties or hidden fees.
  • Pick Your Loan Option – Choose a loan that fits your goals.

Use Your Loan for What Matters Most

Car Repairs
home improvement-2
debt consolidation
wedding
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Compare Your Loan Options

Home Equity Line of Credit (HELOC)

Use funds as you need them, when you need them. Current Special of 6.49% APR* for 12 Months.**

See Our Special Offer
Personal Loans

Financing for life’s expenses. No surprises, just support.

See Our Loan Options
Mortgage and Refinancing

Buy or refinance with competitive rates and local guidance.

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Credit Cards

Everyday spending power with rewards, control, and convenience.

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Home Equity Loans

Lump-sum borrowing with fixed payments for planned expenses.

See Our Loan Options
*Annual Percentage Rates are accurate as of September 22, 2025. **Rates vary after 12 months.

Simple Process. Real People. Whether you prefer online tools or a conversation at your local branch, our process is easy, secure, and personalized.

Ready to Get Started?
All loans subject to credit approval. Terms and conditions apply. Heritage Bank is an equal opportunity lender.
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