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Loans for You

Loans for You

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Auto Loans

New or used, we’ve got auto loans that get you into the car you love. Our auto loans offer great rates with full service support for your next ride. Let’s hit the road together.

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Recreational Loans

If you’re ready to enjoy the open road, get off-road, or get onto the water, we can get our members where they want to be. Recreational loans cover RV, motorcycle, ATV and boat purchases that deliver fun.

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Home Loans

Home is where your heart is, and because at Heritage we’re your local lender, we’ll provide heartfelt service with a personal touch. We can find the right mortgage or refinance options for you and your dream home.

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Business Loans

Business loans help businesses get off the ground, or move into new industries. Plus at Heritage we’ve got a team with the depth of knowledge to support entrepreneurs and visionaries as they take their business to the next level.

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Credit Cards

Borrowing is rewarding with a credit card from Heritage. From the best features giving you the most control with the security and protection you need, a credit card can help you plan for big purchases or navigate an unexpected expense.

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Personal Loan

Personal Loans

Whether your goals include a big purchase, or covering an unexpected cash need, at Heritage we’ve got you prepared. Our personal loans are personalized just for you, with a monthly rate that works for your budget. We’re here to help you get the funding you need to meet your goals and cover your bases.

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Not sure what type of loan is right for you? Let’s find options that can help.

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What is your loan for?
I want to buy a new or used car
I want to purchase a boat, motorcycle or RV
I want to buy or refinance a home
I need to cover an unexpected expense
I want to remodel or repair my home
I’m ready to consolidate my debt
I have medical expenses to pay off
Is this a one-time expense?
Yes
No
Is this a one-time project or a multi-project job?
One-time project
Multi-project
How much debt do you need to consolidate?
Under $5,000
$5,000 - $10,000
Over $10,000
Approximately how much medical debt do you have to pay off?
Under $5,000
Over $5,000
Free Access Checking

A totally free checking account with no service charge or minimum balance requirements.

Open a Free Access Checking Account! 

Or, choose to utilize your debit card and open a free account that earns high dividends or rewards!

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Kasasa Cash Back Checking

Free checking that pays cash back refunds on your debit card purchases and ATM withdrawal fees.* 

Includes exclusive access to open a free Kasasa Saver® account to collect and grow your Kasasa Cash Back rewards effortlessly.

Open a Kasasa Cash Back Checking Account!

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Kasasa Cash Checking

Free checking that earns really high dividends plus other rewards like refunded ATM withdrawal fees.*

Includes exclusive access to open a free Kasasa Saver® account to collect and grow your Kasasa Cash rewards effortlessly.

Open a Kasasa Cash Checking Account! 

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Auto Loan

We recommend an auto loan. At Heritage, we have auto loans for YOU.

APPLY FOR AN AUTO LOAN

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Recreational Vehicle Loans

We recommend a recreational loan. At Heritage, we have recreational loans for YOU.

APPLY FOR A RECREATIONAL LOAN

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Home Loan

We recommend a home loan. From Conventional to Zero Down to VA/FHA/USDA, we have a mortgage designed for YOU. 

APPLY FOR A HOME LOAN

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Personal Loan

We recommend a personal loan. At Heritage, we have personal loans for YOU. 

APPLY FOR A PERSONAL LOAN

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Credit Cards

We recommend a credit card. At Heritage, we have instant issue credit cards that you can pick up at a branch as soon as today!

APPLY FOR A CREDIT CARD

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Home Equity Line of Credit

We recommend a home equity line of credit. What is home equity? It’s the current value of your home minus your mortgage balance. With a home equity loan, you can borrow against that equity and use the money for a variety of purposes.

APPLY FOR A HOME EQUITY LOAN

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Connect with a Loan Officer

You may need a personal loan, a credit card, or a home equity loan. We recommend connecting with a loan officer for the best recommendation. 

Connect with a Loan Officer

Indiana Title - Possession

Please get the title to Heritage Federal Credit Union. You may bring it to any one of our branch locations or mail it to PO BOX 189 Newburgh, IN 47629.

Indiana Title - Possession - Different Name

Take the title to your local BMV to change the ownership of the vehicle. (This will require a signature or documentation from the previous owner, check with the BMV for any requirements.) At the BMV you can list Heritage Federal Credit Union as lienholder using the following address PO BOX 189 Newburgh, IN 47629. Once complete get a copy of the titling receipt to Heritage Federal Credit Union, please bring it to any one of our branch locations, Mail it to PO BOX 189 Newburgh, IN 47629, Fax it to 812-853-1742, E-mail it to titles@heritagefederal.org.

Indiana Title - No Possession - Owner of Title

At your local BMV, request a duplicate title and ask the BMV to list Heritage Federal Credit Union as the lienholder using the following address: PO BOX 189 Newburgh, IN 47629. Once complete, get a copy of the titling receipt to Heritage Federal Credit Union. Please bring it to any one of our branch locations, Mail it to PO BOX 189 Newburgh, IN 47629, Fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org

Indiana Title - No Possession - Dealership Purchase

The dealership should have submitted appropriate documentation to the BMV. When you register and plate your vehicle, the BMV will send the title to Heritage Federal Credit Union. Once you have registered and plated the vehicle, provide a copy of the titling receipt to Heritage. Please bring it to any one of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org

Indiana Title - No Possession - Individual Purchase

The seller of the vehicle should provide the original title and sign the back of the title as seller. Once you obtain the title, take the title to your local BMV to change the ownership of the vehicle. At the BMV, list Heritage Federal Credit Union as the lienholder using the following address: PO BOX 189 Newburgh, IN 47629. Once complete, get a copy of the titling receipt to Heritage. Please bring it to any one of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org

Indiana Title - No Possession - Refinance

Contact the previous financial institution and confirm if, when, and where the title was sent. If the title was sent and not received by Heritage Federal Credit Union, request a lien release be sent to Heritage Federal Credit Union using one of the following methods: mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org

Kentucky Title - Possession - Owner

If Heritage Federal Credit Union is not listed as first lien holder, you may bring the original title to Heritage so that we may send it to the county clerk to add our lien. If Heritage Federal Credit Union is listed as first lien holder, get a copy of the title to Heritage. Please bring it to any one of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, Fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org.

Kentucky is NOT a title-holding state, which means titles are sent to owners by county clerk’s office, not the lien holders. In place of the title, the lien holder receives a lien statement with a lien filing number and lien filing date. This information can also be found printed on the front of the Kentucky Title.

Kentucky Title - Possession - Non Owner

Take the title to your local county clerk's office to change the ownership of the vehicle. (This will require a signature or documentation from the previous owner, check with the county clerk's office for any requirements.) At the county clerk's office, please list Heritage Federal Credit Union as the lienholder using the following address: PO BOX 189 Newburgh, IN 47629. Once complete, get a copy of the titling receipt to Heritage. Please bring it to any one of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org. Kentucky is NOT a title-holding state, which means titles are sent to owners by county clerk’s office not the lien holders. In place of the title, the lien holder receives a lien statement with a lien filing number and lien filing date. This information can also be found printed on the front of the Kentucky Title.

Kentucky Title - No Possession - Owner

At your local county clerk's office, request a duplicate title. Ask the county clerk's office to list Heritage Federal Credit Union as the lienholder using the following address: PO BOX 189 Newburgh, IN 47629. Once complete, get a copy of the titling receipt to Heritage. Please bring it to any one of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org. Kentucky is NOT a title-holding state, which means titles are sent to owners by county clerk’s office, not the lien holders. In place of the title, the lien holder receives a lien statement with a lien filing number and lien filing date. This information can also be found printed on the front of the Kentucky Title.

Kentucky Title - No Possession - Dealership

The dealership should have submitted the appropriate documentation to your local county clerk's office. When you register and plate and your vehicle, the county clerk's office will send the title to your home address and if Heritage Federal Credit Union is appropriately listed as lien holder, we will recieve the required notice. Once you have registered and plated the vehicle, please provide a copy of the titling receipt to Heritage Federal Credit Union. Please bring it to any one of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org. Kentucky is NOT a title-holding state, which means titles are sent to owners by county clerk’s office, not the lien holders. In place of the title, the lien holder receives a lien statement with a lien filing number and lien filing date. This information can also be found printed on the front of the Kentucky Title.

Kentucky Title - No Possession - Individual

The seller of the vehicle should provide the original title and sign the title as seller. Once you obtain the title, take it to your local county clerk's office to change the ownership of the vehicle. At the county clerk's office, list Heritage Federal Credit Union as the lienholder using the following address: PO BOX 189 Newburgh, IN 47629. Once complete, get a copy of the titling receipt to Heritage Federal Credit Union. Please bring it to any one of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org. Kentucky is NOT a title-holding state, which means titles are sent to owners by county clerk’s office, not the lien holders. In place of the title, the lien holder receives a lien statement with a lien filing number and lien filing date. This information can also be found printed on the front of the Kentucky Title.

Kentucky - No Possession - Refinance

Contact the previous financial institution and request a lien termination statement be sent. Take the lien termination statement to your local county clerk's office to request a duplicate title. Ask the county clerk's office to list Heritage Federal Credit Union as the lienholder using the following address: PO BOX 189 Newburgh, IN 47629. Once complete, get a copy of the titling receipt to Heritage. Please bring it to any one of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, e-mail it to titles@heritagefederal.org, Kentucky is NOT a title-holding state, which means titles are sent to owners by county clerk’s office, not the lien holders. In place of the title, the lien holder receives a lien statement with a lien filing number and lien filing date. This information can also be found printed on the front of the Kentucky title.

Illinois Title - Possession - Owner

Please get the title to Heritage Federal Credit Union. You may bring it to any one of our branch locations or mail it to PO BOX 189 Newburgh, IN 47629.

Illinois Title - Posession - Non Owner

Take the title to your Secretary of State Office to change the ownership of the vehicle. (This will require additional documentation, check with the IL SOS for any requirements.) List Heritage Federal Credit Union as the lienholder using the following address: PO BOX 189 Newburgh, IN 47629.

Once complete, get a copy of the titling receipt to Heritage. Please bring it to any one of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org.

Illinois - No Possession - Owner

Follow up with the dealership you purchased the vehicle from. The dealer will have either: (1) Submitted appropriate documentation to the Secretary of State on your behalf or (2) provided you documentation to submit to the Secretary of State. This documentation should list Heritage Federal Credit Union as lien holder, which will prompt the Secretary of State to mail the title to PO Box 189 Newburgh, IN 47629.
Obtain a copy of the titling receipt and get it to Heritage. Please bring it to any one of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, e-mail it to titles@heritagefederal.org.

Illinois - No Possession - Individual

At your local DMV, request a duplicate title, and request for the DMV to list Heritage Federal Credit Union as the lienholder using the following address: PO BOX 189 Newburgh, IN 47629. Once complete, get a copy of the titling receipt to Heritage. Please bring it to any of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org.

Illinois - No Possession - Refinance

Contact the previous financial institution and confirm if, when, and where the title was sent. If the title was sent and not received, request a lien release. Correspond with the Illinois Secretary of State to order a title with Heritage Federal Credit Union listed as the first lien holder using the following as the lienholder address: PO Box 189 Newburg, IN 47629.
Once complete, get a copy of the titling receipt to Heritage Federal Credit Union. Please bring it to any one of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org.

Illinois - No Possession - Nonowner - Dealership

Follow up with the dealership you purchased the vehicle from. The dealer will have either: (1) submitted appropriate documentation to the Secretary of State on your behalf or (2) provided you documentation to submit to the Secretary of State. This documentation should list Heritage Federal Credit Union as the lien holder, which will prompt the Secretary of State to mail the title to PO Box 189 Newburgh, IN 47629.
If you can obtain a copy of the titling receipt, get it to Heritage Federal Credit Union. Please bring it to any one of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org.

Illinois - No Possession - Nonowner - Individual

The seller of the vehicle should provide the original title and sign the title as seller. Once you obtain the title, take it to your local DMV to change the ownership of the vehicle. At the DMV, list Heritage Federal Credit Union as lienholder using the following address: PO BOX 189 Newburgh, IN 47629. Once complete, get a copy of the titling receipt to Heritage. Please bring it to any one of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org.

Illinois - No Possession - Nonowner - Refinance

Contact the previous financial institution and confirm if, when, and where the title was sent. If the title was sent and not received by Heritage Federal Credit Union, request a lien release be sent to Heritage using one of the following methods: mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org.

Other State

Correspond with your state or county titling office to get the vehicle titled and registered in your name. Add Heritage Federal Credit Union as lien holder, please use the following for the lienholder address: PO Box 189 Newburgh, IN 47629.
Once complete get a copy of the titling receipt to Heritage. Please bring it to any one of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742 or e-mail it to titles@heritagefederal.org.

Other State - Purchased from an Individual

At your local state or county titling office, request a duplicate title. Ask the BMV to list Heritage Federal Credit Union as the lienholder using the following address: PO BOX 189 Newburgh, IN 47629. Once complete, get a copy of the titling receipt to Heritage, please bring it to any one of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org.

Other State - No Possession - Nonowner - Individual

The seller of the vehicle should provide the original title and sign the title as the seller. Once you obtain the title, take it to your local state or county titling office to change the ownership of the vehicle, and list Heritage Federal Credit Union as the lienholder using the following address: PO BOX 189 Newburgh, IN 47629. Once complete, get a copy of the titling receipt to Heritage. Please bring it to any of our branch locations, mail it to PO BOX 189 Newburgh, IN 47629, fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org

Other State - No Possession - Nonowner - Refinance

Contact the previous financial institution and confirm if, when, and where the title was sent. If the title was sent and not received by Heritage Federal Credit Union, request a lien release be sent to Heritage Federal Credit Union using one of the following methods: mail it to PO BOX 189 Newburgh, IN 47629 , fax it to 812-853-1742, or e-mail it to titles@heritagefederal.org.


Subject to credit approval. Other restrictions may apply, see loan officer for details.

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