Loans & Mortgages
Clear terms. No surprises at payoff.
Every loan shows its full payoff amount before you sign — try the calculator on the home page to see exact numbers for your amount and term.
Every loan shows its full payoff amount before you sign — try the calculator on the home page to see exact numbers for your amount and term.
Basic Credit Heritage Trust Bank flat 5.5% annual rate applied to your original principal — what you see at signing is what you pay, with no compounding surprises.
Example: $25,000 over 36 months
Fixed and variable-rate home loans for purchases and refinancing.
30-Year Fixed
From 6.25%
Predictable payments for the life of the loan.
15-Year Fixed
From 5.60%
Pay off faster, lower total interest.
5/1 ARM
From 5.10%
Fixed for 5 years, then adjusts annually.
Refinance
From 5.85%
Lower your rate or shorten your term.