Heritage Bank

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Personal Banking

Personal Banking

Personal Loans

We have money to lend, take advantage of today's great rates!

There are many choices when it comes to personal loans. We will help you select the best product which will fit your needs. Learn more about our consumer loan products below - all options feature:

  • Competitive Rates
  • Flexible Terms
  • Local Decision Making
  • Easy Application Process

Home Equity Advantage Line of Credit

A convenient and flexible way to tap into the equity of your home. Home Equity Advantage Line of Credit gives you the freedom to fix a portion (or all) of your outstanding balance at a competitive fixed interest rate. Available Home Equity Advantage Line of Credit funds are easily accessed by writing a check, online or in person at any of our convenient locations and you only pay interest on the money you actually use. If you have been dreaming of that remodel, a new car or boat or any other major purchase, now is the time to take advantage of Home Equity Advantage Line of Credit.

Auto, Boat and RV Loans

Get up and go with a loan for a new or used auto, boat or RV. We can pre-qualify you for a loan to give you more negotiating power with the dealer.

Property Loans for Land

If you're looking to purchase a developed piece of property, we offer lot loans to help you buy now. Once you're ready to build on the land, we can help you with the construction financing as well.

Classic Reserve Line

Add the convenience and security of a line of credit to your personal checking account. This line of credit serves as automatic overdraft protection. It also gives you the ability to have funds available to draw upon for whatever purpose you decide. Interest is only charged on the amount you borrow.

Deposit Secured Loan

If you have a CD with Heritage Bank, you can use the balance as collateral for a personal loan. Because the loan is secured with your deposit account, you'll pay a lower interest rate than you would with an unsecured loan.

Personal Credit Cards

Heritage Bank offers personal credit card services and they are available in two options, Platinum and Platinum Preferred With Rewards. Give us a call or stop by for complete information and to apply. We're committed to helping you find the best solutions for your financial needs.


Classic Reserve Application (PDF fill-in form)
Personal Loan Calculator
National Automobile Dealers Association - To obtain current information on new and used automobiles.

Please provide the following information to process your loan request:

  • Signed, completed Heritage Bank consumer loan application
  • Verification of income: Current pay stub & previous two years' W-2's for all borrowers. If self employed, or you receive income based on Commission, include copies of your previous 2 years' Personal and Business tax returns plus your most recent year to date Profit and Loss Statement.
  • Auto, boat, RV only - Dealer Sale: Purchase order
  • Auto, boat, RV only - Private Party Sale: Bill of sale, vehicle ID number, license plate number, seller's name and address