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Auto

Type
Rate  
APR*  
3.750%
3.880%
3.500%
3.709%

Mortgage

Type
Rate  
APR*  
3.875%
3.901%
3.125%
3.170%

Personal Money Market

Type
Rate  
APY*  
.70%
.70%
.40%
.40%

Certificate of Deposit

Type
Rate  
APY*  
1.44%
1.45%
1.19%
1.20%
View all rates / disclosures.

*(APY) Annual Percentage Yield

(APR) Annual Percentage Rate

Personal Banking
Mortgage
Center

Contact Our
Mortgage Professionals

Sharon Kuhlman

Assistant Vice President
Mortgage Lending

309.682.1484 – Direct

Click here to email Sharon

John Lofgren

Mortgage Consultant

309.682.1483 – Direct
309.369.6540 – Cell

Click here to email John

Linda Turner

Mortgage Consultant

309.682.1485 – Direct
309.453.7033 – Cell

Click here to email Linda

Mortgage Coupon

Download this coupon and save $100 on your mortgage closing costs. This offer is for a limited time only.

Mortgage Products

Because every homeowner’s lending situation is different, Heritage Bank offers an expanded line of mortgage options to meet your specific needs. And we’ll help you choose the one that’s right for you. Whether you’re buying, building or refinancing, our choice of home loans offers you the flexibility, convenience and value you have come to depend on from Heritage. Click here if you need help understanding what the following terms mean so you can choose the one that’s best for your situation – or call 309.681.3800 to talk to a mortgage lender today.

  • Adjustable Rate Mortgages (ARMs)
  • Balloon Mortgages
  • Construction Loans
  • Conventional Fixed Rate Loans
  • FHA
  • Grant Programs (when available)
  • Jumbo Mortgages
  • Lender Paid MI Products
  • Rural Development Programs
  • 90-95 Products (No PMI Programs - Lender Paid)

Contact Sharon Kuhlman

You've found your dream home, now you need a mortgage. I can help you with that! Be sure to fill in ALL the items...they are required to process the form.

Please Note:
Don't send personal account information using this form.

First Name:
Last Name:
Phone:
Email Address:  
Comments:
 
 

Contact John Lofgren

You've found your dream home, now you need a mortgage. I can help you with that! Be sure to fill in ALL the items...they are required to process the form.

Please Note:
Don't send personal account information using this form.

First Name:
Last Name:
Phone:
Email Address:  
Comments:
 
 

Contact Linda Turner

You've found your dream home, now you need a mortgage. I can help you with that! Be sure to fill in ALL the items...they are required to process the form.

Please Note:
Don't send personal account information using this form.

First Name:
Last Name:
Phone:
Email Address:  
Comments:
 
 

Education Center

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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

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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.

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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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.

Direct Card Access

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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 Direct Card Access login page.

Direct Card Access

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 Direct Card Access login page.

DLA Creative

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 check out the DLA Creative site.