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Type
Rate
APR*
2.50%
2.658%
2.50%
2.695%
Type
Rate
APY*
0.45%
0.45%
0.35%
0.35%
Type
Rate
APY*
1.19%
1.20%
0.85%
0.85%
Type
Rate
APY*
0.75%
0.75%
0.50%
0.50%
View all rates / disclosures.

*(APY) Annual Percentage Yield

(APR) Annual Percentage Rate

View Mortgage Rates and Apply!
 
Home Equity Line of Credit

Home Equity Line of Credit (HELOC)

Planning a vacation? Remodeling your kitchen? Giving your daughter her dream wedding?

These are just of few of the possibilities you have when you have a Home Equity Line of Credit with Heritage Bank. This account is a personal revolving line of credit that is secured by the equity in your home and can be used for virtually anything you desire. If you have equity in your home, and have a need for funds now and in the future a Home Equity Line of Credit may be ideal.

Details of a Heritage Bank Home Equity Line of Credit:

Features:

  • Competitive Interest Rate - Interest rates are Variable, based on National Prime Rate. A minimum rate (floor) and maximum rate (Ceiling) are determined by the bank.
  • Loan Duration - 5 years for the revolving draw period and 10 years for the repayment period.
  • Line Amount - $5,000 Minimum.
  • Loan to Value (LTV) Required - Up to 80% LTV on a 1- to 4-unit owner-occupied primary residence.
  • Low Monthly Payments - Interest only payments are required for the first five years, then 2% of the outstanding balance. Monthly activity statements are provided.
  • Tax Benefits - The Interest you pay may be tax deductable. (Consult a Tax Professional.)

Access to funds:

  • Checks - Checks will be provided to access the Home Equity Line of Credit.
  • Online Banking - 24/7 access with Online Banking to transfer money to your checking or savings account.
  • Mobile Banking - Access from anywhere with Mobile Banking to transfer money to your checking or savings account.
  • TeleBanc - Transfer by phone to you checking or savings account.
  • Heritage Bank Branch

Fees:

  • No Application Fee
  • No Annual Fee
  • Closing Costs
    • The recording of the mortgage
    • The appraisal fee (if required)
    • Title insurance (if required)

Learn More or Apply Now

Education Center

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Click here to access the Education Center.

Lost / Stolen Debit Card

If you've lost your card and it is not during our normal business hours, you can call the STAR® network at:

1-800-523-4175

and respond to the prompts.

Facebook

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Click here to go to our Facebook page.

Education Center

You are about to leave the Heritage Bank of Central Illinois web site. Please note that by clicking on the link below, you will enter a site NOT owned or operated by Heritage and therefore, our privacy policy does not apply. Please review that web site's privacy policy. The inclusion of this link is not an endorsement by Heritage of the site, its content, advertisers or sponsors.

The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the Education Center.

Education Center – Online Banking Demo

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The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the Education Center.

Education Center

You are about to leave the Heritage Bank of Central Illinois web site. Please note that by clicking on the link below, you will enter a site NOT owned or operated by Heritage and therefore, our privacy policy does not apply. Please review that web site's privacy policy. The inclusion of this link is not an endorsement by Heritage of the site, its content, advertisers or sponsors.

The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the Education Center.

Deluxe Check Ordering

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The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the Deluxe check ordering page.

Deluxe Check Ordering

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Click here to access the Deluxe check ordering page.

Personal Credit Card Login

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Click here to access the First Bankcard login page.

Business Credit Card Login

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The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the First Bankcard login page.

You are about to leave the Heritage Bank of Central Illinois web site. Please note that by clicking on the link below, you will enter a site NOT owned or operated by Heritage and therefore, our privacy policy does not apply. Please review that web site's privacy policy. The inclusion of this link is not an endorsement by Heritage of the site, its content, advertisers or sponsors.

The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.