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Protect your checking account against overdrafts. Overdraft Line of Credit protection can cover those times when you may need more money than you have available in your checking account. If you overdraw your checking account, HFCU will automatically deposit enough funds from your Overdraft Line of Credit to cover the overdraft amount. You pay interest only on the amount of the line used and avoid returned check fees.

Overdraft Line of CreditN/AN/A18.00%

Overdraft Line of Credit Disclosures

7 APR=Annual Percentage Rate. Actual rate may vary based on credit worthiness and down payment, if applicable. All extensions of credit are subject to credit approval. Rates shown are lowest offered for the loan products advertised. Applicants that are not approved for these loan rates or terms may be offered credit at a higher rate and/or with different terms. The representative monthly payment based on a 5-year term Personal Loan at 9.99% Annual Percentage Rate is $21.24 per $1,000 borrowed. All rates and terms are subject to change without notice. Offer may be withdrawn at any time without notice. Contact a credit union employee for further details. Other terms and conditions may apply.

9 All rates quoted include a 0.50% reduction for members who authorize payment of their HFCU loan through an automatic electronic funds transfer, debited from any account.

10 The maximum APR that may be imposed is 18.00%.

Overdraft Line of Credit FAQ

To apply for a loan with Heritage Financial Credit Union you must live, work, worship, volunteer or attend school in, or be a business or other legal entity located in Orange, Dutchess, Pike, Sussex, Sullivan or Ulster Counties, New York or have an immediate family member who is already a member of Heritage Financial Credit Union. You will be required to become a member prior to loan closing with a $0.01 initial deposit in a savings account.  Get started with your loan application online or visit us at your nearest branch, which can be found here. If you need more information, contact us.

The terms for an Overdraft Line of Credit are not applicable. Please refer to the Overdraft Line of Credit table for more information.

For the fixed APR for an Overdraft Line of Credit is not applicable, please refer to the Overdraft Line of Credit table for more information.

Overdraft Protection with Courtesy Pay from HFCU saves you from the inconvenience and embarrassment of insufficient funds in your account. Courtesy Pay is not a line of credit. HFCU will cover your overdrafts up to $500. There is a fee each time we pay an overdraft, but you will not be caught in the predicament of having your debit card transaction declined due to lack of funds. Plus, you’ll have the added measure of protecting your credit rating. Get started by signing up for Overdraft Protection with Courtesy Pay.