Personal Loans

¹ APR = Annual Percentage Rate. Rate will not change for 12 months from date of finance. Promotion ends 12/31/26. Rate available to members in good standing and is based on credit qualifications. Certain restrictions apply. Terms and conditions subject to change without notice. Estimated monthly payment of $86.98 per $1,000 borrowed at 7.99% APR for 12-months. New money only. Federally insured by NCUA.

² APR = Annual Percentage Rate.

³ Rates "as low as." Rate based on your credit history. Actual rate may be higher.

⁴ 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.

⁵ For qualified members. Offer valid for loan payments in November or December 2026. 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 10 (ten) Skip-A-Pays or deferments during the loan term for protection up to 120% LTV. Real Estate, Visa®, Mobile Homes and Business loans excluded. Members may be eligible to participate in each Skip-A-Pay promotion offered twice a year. Limited to one Skip-A-Pay per promotion. All HFCU accounts must be in good standing. Equal Opportunity Lender. Member Responsibility Notice: Processing of a Skip-A-Pay request does not automatically stop payments originating from another financial institution, online bill pay service, payroll deduction, debit card payment, or any other external payment source. Members are responsible for contacting the originating institution or service provider to suspend scheduled payments during the skipped payment month. For payments made through internal HFCU account transfers or HFCU-originated EFT (ACH) payments, we can defer these payments at the time the Skip-A-Pay request is processed. Members should notify us of any HFCU transfer or EFT payment arrangements when submitting their Skip-A-Pay request. HFCU is not responsible for payments that are processed from external sources after a Skip-A-Pay has been approved.

⁶ 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.

⁷ *APR = Annual Percentage Rate. Rate will not change for 12 months from date of finance. Rate available to members in good standing and is based on credit qualifications. Certain restrictions apply. Terms and conditions subject to change without notice. Estimated monthly payment of $86.98 per $1,000 borrowed at 7.99% APR for 12 months. New money only. Federally insured by NCUA.

⁸ 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