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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!
 
Financial Calculators

Personal Financial Calculators

Savings Calculators

Savings Calculator

Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

Certificate of Deposit Calculator

Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).

 

Personal Loan Calculators

Enhanced Loan Calculator

Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term.

 

Auto Loan Calculators

Car Loan Calculator

Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment.

Auto Rebate vs. Low Interest Financing

Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate.

 

Mortgage Loan Calculators

Mortgage Loan Calculator

Use this calculator to get an idea of what your monthly payment would be if you know the loan amount you’re looking for. You'll also be able to print an amortization schedule to see your payment breakdown for the life of the loan.

Mortgage Comparison Calculator

Determining which mortgage term is right for you can be a challenge. With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.

Mortgage Refinance Calculator

Will you save money by refinancing now? That depends on a multitude of factors. These factors include your existing interest rate, the current interest rates, closing costs and how long you plan to stay in your home. Use this calculator to sort through the confusion, and determine if refinancing your mortgage is a sound financial decision.

Mortgage Payoff Calculator

How much interest can you save by increasing your mortgage payment? This financial calculator helps you find out. Hit the "Payment Schedule" button below the graph to see a complete amortization payment schedule, and how much you can save on your mortgage!

Mortgage Points Calculator

Should you buy points? Buying points when you close your mortgage can reduce its interest rate, which in turn reduces your monthly payment. But each "point" will cost you 1% of your mortgage balance. This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

Mortgage Rent vs Buy Calculator

Should you rent or should you buy your home? It takes more than looking at your mortgage payment to answer this question. This calculator helps you weed through the fees, taxes, and monthly payments to help you make a good financial decision.

Mortgage Consolidation Calculator

This calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you. Enter your credit cards, installment loans and the mortgages you wish to consolidate by clicking on the "Enter Data" button for each category. Then change the consolidated mortgage loan amount, term or rate to create a loan that will work within your budget. Click the "View Report" button for detailed results.

 

Credit Cards and Debt Management

Personal Debt Consolidation

Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.

 

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issue.

 

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

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Click here to access the Education Center.

Education Center – Online Banking Demo

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Click here to access the Education Center.

Education Center

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Click here to access the Education Center.

Deluxe Check Ordering

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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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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.

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