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Personal Loans

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DOWNSIZE YOUR DEBT, NOT YOUR DREAMS

Debt consolidation loans

Whether your debt is a little or a lot, stop juggling everything you owe and combine it into one manageable monthly loan payment.

Apply for a personal loan

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YOUR FUNDS, YOUR FUTURE

Credit Builder Loans

If you have no credit – or are rebuilding your credit – but need a loan, here’s how. With a Credit Builder Loan, you secure the loan amount in a savings account as collateral. Then, when the loan is paid off, the reserved funds are yours to use...or keep saving!  

  • Low fixed rate
  • Flexible terms between 6 and 24 months
  • Loan amounts of $500, $1,000 or $2,000
  • Credit reporting to build your score

Visit your local branch, call 888.252.8932, or apply with a live video branch agent!

Apply Now on HFCUVT Video Branch

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PRIORITIZE THE PLANET

green loans

Share our commitment to caring for the environment and receive special financing on

  • High fuel economy rated vehicles
  • Home efficiency projects, including alternative and renewable energy
  • Solar installation

Learn more about green loans

Soak up the sun & fun! Skip your July or August payment and enjoy the extra cash. Skip A Pay

Skip-A-Pay

Soak up the sun & fun! Skip your July or August payment & enjoy the extra cash! For qualified members. 5

Download the skip-a-pay Form

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Life can take some unexpected turns. That’s why there’s Debt Protection 6

Financial protection for the unexpected – protect the ones that matter most. Debt Protection could help your family’s financial situation against a variety of covered life events:

  • Involuntary Unemployment
  • Disability
  • Death

Take an important step toward financial security. Ask Heritage Family Credit Union about Debt Protection today.

Contact us to learn more

Disclosures

1 APR = Annual Percentage Rate.

2 Rates "as low as." Rate based on your credit history. Actual rate may be higher.

3 Rate displayed is the lowest rate available. Loan rates will vary based on credit qualifications and all loans are subject to credit approval. All rates subject to change without notice. Initial $25 deposit for membership required. Terms and conditions subject to change without notice. Certain restrictions apply.

4 The information provided by this calculator is not guaranteed and is for educational purposes only. Your loan details may differ and will be subject to credit approval.

5 For qualified members. Offer valid for loan payments in July or August 2025. By skipping your loan payment by one month, you authorize Heritage Family Credit Union (HFCU) to extend your final loan payment. Finance charges will continue to accrue on your unpaid balance. Your account must be in good standing and have a minimum of 6 months of payments made to take advantage of this offer. The Credit Union reserves the right to determine if prior subsequent actions may disqualify your account. Should you request a Skip-A-Pay, you will be charged a $30.00 processing fee (per loan). A granted Skip-A-Pay entitles the member to skip one (1) month’s regular payment on the specified loan. The regular payment schedule will resume the month following the elected Skip-A-Pay month. Limit, one Skip-A-Pay granted per loan in a 6 month period, provided your HFCU accounts are in good standing. If your payments are processed through Automatic Clearing House (ACH), HFCU must receive your application 10 days prior to your loan payment due date. You also understand that if you have purchased a GAP policy through HFCU that you are only allowed 2 (two) Skip-A-Pays or deferments during the loan term for protection up to 125% LTV. Real Estate, Visa®, Mobile Homes and Business loans excluded. Federally insured by NCUA.

6 Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. © TruStage DP-3415586.2-1123-1225