Let’s get you going

Looking for a loan or line of credit? Heritage Financial Credit Union offers a wide range of secured and unsecured loans that will meet your needs. Quick getaway? Use our vacation loan. Need cash for an unexpected event? HFCU’s Signature Loan gives you cash when you need it. Ready to lower your debt? Call us to consolidate high rate loans and credit cards to help you put more money in your pocket. Let HFCU help!

We offer a variety of personal loans based on your qualifications

Type of LoanTermVariable APR as low asFixed APR as low as 7, 9, 11
Signature Loan / Debt Consolidation / Secured By Auto60 MonthsN/A9.99%
Signature Loan Secured by Certificate60 MonthsN/ACertificate Rate + 3%
Credit Rebuilder / Up to 12 MonthsUp to 12 MonthsN/A18.00%

Personal Loans 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. 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 Offer may be withdrawn at any time without notice.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.

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

Personal Loans 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, Sullivan, Sussex, Pike, 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.

HFCU offers a variety of personal loans to best fit your needs. Please refer to the personal loans table for more information.

The terms for a personal loan vary depending on the type of loan, ranging from 12 months to 60 months. Please refer to the personal loans table for more information.

The variable APR for a personal loan is not applicable. Please refer to the personal loans table for more information.

The fixed APR for a personal loan varies depending on the type of loan, ranging from 9.99% to 18.00%. Please refer to the personal loans table for more information.

HFCU offers a variety of calculators to help estimate your loan payments. Click here for a calculator that best fits your needs.