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* | Fixed APR* |
|---|---|---|---|
| Signature Loan / Debt Consolidation / Secured By Auto | 60 Months | N/A | 9.99% |
| Signature Loan Secured by Certificate | 60 Months | N/A | Certificate Rate + 3% |
| Credit Rebuilder / Up to 12 Months | Up to 12 Months | N/A | 18.00% |
Personal Loans Disclosures
*APR = Annual Percentage Rate. Minimum loan amount $500.00, maximum loan amount $2,500.00. All extensions of credit are subject to credit approval. The maximum APR that may be imposed is 18.00%. Actual rate may vary based on terms and credit worthiness. Rates shown are the lowest rates offered for the loan product(s) advertised. Rate advertised are subject to change at any time. All rates are subject to change without notice. Contact a credit union employee for further details.
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.
Click here to view our disclosure.
