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 Loan||Term||Variable APR as low as 19||Fixed APR as low as 7, 9, 11|
|Signature Loan / Debt Consolidation / Secured By Auto||Up to 60 Months||N/A||11.49%|
|Signature Loan Secured by Certificate||Up to 60 Months||N/A||Certificate Rate + 3%|
|Credit Rebuilder / Up to 12 Months||Up to 12 Months||N/A||18.00%|
|Universal Line of Credit (Un-LOC) 19||N/A||11.75%||N/A|
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. 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 Offer may be withdrawn at any time without notice.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.
11 The maximum APR that may be imposed is 18.00%.
19 As of March 1, 2023, the 11.75% Annual Percentage Rate (APR) is available on the Universal Line of Credit (Un-LOC) and subject to change. The APR is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal (currently 7.75%). The margin will be based on credit worthiness and will vary, based on credit, from 4.00% to 11.00%. The maximum rate is 25.00% APR. Maximum loan amount up to $50,000. There are no annual fees. Minimum monthly payments based on 2.00% of outstanding balance (payment of $20.00 per month based on $1,000 balance).Rates are subject to change. Subject to credit approval, eligibility and credit qualifications. The Universal Line of Credit may be reduced or additional extensions of credit limited if certain circumstances occur. Approval for personal line of credit requires having a new or existing share account with the credit union.
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.