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Whether you are looking to buy a new car or a new house, our calculators make it fast and easy to estimate your monthly payment. 

We also offer excellent interest rates for those members looking to save.  Click on the Share Certificate button below to estimate your earnings

Just click on the type of loan or share you are interested in to get calculating:


Auto Loan

Family waiving out vehicle window.
Whether you're buying your first vehicle, or it's time to upgrade to a new one,
we offer a wide range of terms so you can find the auto loan that best fits
your needs. Our terms cover both new and used vehicles with rates starting
at 2.99%. Our application process is quick and easy, so you won't have to sift through piles of paperwork.
Before you apply, our easy to use loan calculator can help you estimate what
your monthly payments will be depending on how much the vehicle is, the down
payment you’d like to make, and the term of the loan. When it comes to big
financial decisions, we believe the more informed you can be, the better.

RV Loan

RV Loan Image
Take a break from the grind, be with family and friends,
enjoy nature and see new places…
These are some of the things people like most about recreational vehicles.
And First Heritage has new/used boat, camper and motorcycle loans you’re
going to like just as much!

Personal Loan

Personal Loan Image

Our personal loan options offer endless uses to help save you money.
Use them to consolidate high-interest credit card debt, pay off
unexpected bills, pay for special life events like a vacation, wedding
or honeymoon, or even make large purchases and home improvements
such as those kitchen appliances you've had your eye on.

Visa Balance Transfer

Balance Transfer Stretch Image

The philosophy behind our credit cards is simple…keep interest
rates low, while offering useful benefits our members want.
Already have a credit card and looking to switch? No problem! You can
easily transfer higher-rate balances from other cards to your new First
Heritage Visa® Classic or Visa® Platinum Card. When you choose to save
by transferring your balances to a low-interest First Heritage Visa credit card, 
you will also receive a 12 month balance transfer rate of 1.99% APR* on the
balances that you transfer and no balance transfer fee!

Home Equity Loan

Home Loan

If you need financing for home improvements, school tuition, debt consolidation
or other reasons, a Home Equity Loan is the perfect loan for you. 

A Home Equity Loan is also called a Second Mortgage, though you can get a
Home Equity Loan if you do not have a mortgage on your home. If you currently
have a mortgage, you have the option to select a different Financial Institution 
for your Home Equity/Second Mortgage loan.

We have new options available, so whether you need a lump sum or a line of
credit, we have the loan that best fits your needs.

Home Equity Line of Credit


Thinking of making home repairs or upgrading your home with a remodel?
These are just a few reasons why a HELOC (Home Equity Line of Credit)
might be the best option for you. If you don’t want to receive the money
you’re borrowing in one lump sum payment, consider opening a line of
credit. With a HELOC you’ll be able to borrow money multiple times from
your available maximum amount.

Time Saver Mortgage

Time Saver Mortgage

If you are looking to payoff your mortgage sooner, our Time Saver option is
perfect for you. Our Time Saver mortgage features a short term and low
rate so you can pay off your mortgage faster.
  • Rates as low as 3.24%
  • No closing costs unless mortgage is discharged for any reason
    within three years of the loan date
  • 10 and 15 year terms available, no points

Share Certificate Earnings

Share Certificates
Maximize your earning by locking in your rate and term.   We have several terms available. (6,12,18,24,36,48,60).