Auto, Boat & RV Loans
Get prequalified so you have more negotiating power with your dealer or private seller.
Classic Reserve Line
Add the convenience and security of a line of credit to your personal checking account.
Deposit Secured Loans
Use your Heritage CD account balance as collateral for a personal loan.
Home Equity Loans & Lines of Credit
A convenient and flexible way to tap into the equity of your home.
Property Loans for Land
Choose a loan to help you purchase a developed piece of property.
Find solutions from traditional to unconventional mortgages to suit your needs.
Headquartered right here in Olympia, we keep banking close to home. All lending decisions are made locally.
Because your goals and values are unique, we offer products and solutions tailored to you.
There's a reason Heritage is still thriving after 90 years. We offer the depth of knowledge to be competitive in any market-in any era.
Review your credit history to determine how you handle debt.
Use credit reporting/scoring agencies to review your payment history.
Use several methods to calculate your cash flow, which we consider to be the primary source for your loan repayment.
Analyze whether you have the capacity to repay the loan in the event of a downturn. We'll look at your ability to convert assets to cash or borrow against those assets.
Provide the option of both secured and unsecured loans. Generally, the less you provide for collateral, the higher your interest rate will be.
In addition to your signed and completed consumer loan application, we'll ask you to provide the following information and documentation: