Consumer Loans

Heritage Trust is committed to providing the best loan products available in the market,
offering a great selection of loans with competitive rates.

Home Equity Line of Credit (HELOC) Tax Smart Loans
Line of Credit/Personal Loans Loan Rates
Auto/Recreational Loans 24-Hour Lending
Savings and Certificate Loans TruStage Auto and Homeowners Program
Fixed Rate Second Mortgage Loans GAP and Warranty Coverage
Smart Option Student Loan®    

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Home Equity Line of Credit (HELOC)
A HELOC is an open ended line of credit based on the equity of a home. For eligible members, Heritage Trust will loan up to 90% of the Loan to Value. Loan to Value is based on your credit rating.

The interest paid on a HELOC may be tax deductible. Members should consult a tax advisor to determine their specific situation.

To apply for a HELOC loan, please call our Contact Center at (800) 845-5550 or (843) 832-2600.

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Line of Credit/Personal Loans
  • Up to $15,000 available
  • These loans can be used to pay off high interest rate credit cards, to write checks directly to merchants or as overdraft protection on checking accounts
  • For open-ended lines of credit, available amounts or limits rebuild with repayment
  • Members only have to apply once

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Auto/Recreational Loans
Heritage Trust offers affordable financing on new and used automobiles, vans and trucks with convenient terms. Heritage Trust also offers loans for Boats, Motorcycles, Jet Skis and ATVs.

*Guaranteed Asset Protection (GAP)
Protection designed to eliminate your unpaid net loan/lease
balance in the event your vehicle is stolen or damaged beyond repair.

*Mechanical Breakdown Protection (MBP)
Protection that extends beyond the manufacturer's factory
warranty and covers repairs of unexpected mechanical breakdowns.

Heritage Trust Auto Auction
View and bid on pre-owned vehicles from Heritage Trust through Title Auctions.

*Please review our Privacy Policy for additional information on Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection (MBP) provided by Allied Solutions.

View NADA Guide. Please note our Third Party Link Disclosure.

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Savings and Certificate Loans
Borrowing against a Heritage Trust Savings or Certificate is an inexpensive and convenient way to obtain cash when needed.
  • Immediate approval - no waiting or credit check
  • Continue earning on deposits
  • Interest rate is only a few percentage points above the earning rate on savings and certificate accounts

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Fixed Rate Second Mortgage Loans

A Fixed Rate Second Mortgage loan is based on the equity of a home. These loans can be used for:
  • Home improvement
  • Credit card consolidation
  • Cash for a large purchase or expense
Interest paid may be tax deductible. Members should consult a tax advisor to determine their specific situation.

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Smart Option Student Loan®

Now you can pay for college the smart way with great repayment options!

Heritage Trust's Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.

To learn more or to appy, please get started here.

The Smart Option Student Loan features and benefits:

  • Competitive Interest Rates
  • Borrow up to 100% of school certified education costs (minimum $1,000)
  • Multiple in-school repayment options available
  • Borrower benefits available - like rewards and interest rate reductions
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • Fast Online Application. Our easy-to-complete application takes about 20 minutes. It's quick and easy.
  • 24/7 online account management
  • No prepayment penalty.

To learn more or to apply, please get started here.

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Tax Smart Loans
If a member owns a home, they may qualify for a Tax Smart Loan.
Members may deduct the interest on the loan for income tax purposes*.

Tax Smart Loans are made on automobiles, boats and recreational vehicles. Origination
fees or closing costs are not associated with these loans.

To apply for a Tax Smart Loan, please contact one of our loan agents directly at
(800) 845-5550 or (843) 832-2600.

*Please consult a tax advisor regarding the deductibility of interest.

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24-Hour Lending
Need to apply for a loan outside of normal business hours, but want to speak with a representative?

With our 24-Hour Lending service, you can apply for a loan after regular work day hours, on weekends and even certain holidays.

Call (800) 845-5550 to speak with a representative.

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TruStage Auto and Homeowners Program
Exclusively for credit union members, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote today or call 1-855-483-2149.

Please note our Third Party Link Disclosure.

TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.  

2011. Heritage Trust Federal Credit Union. All Rights Reserved. Privacy Notice I 3rd Party Disclosure I Legal Disclosures