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Thinking about doing some Home Projects but don’t know how to pay for it? Fix it UP with Heritage!
Whether your project is large or small, Heritage Federal Credit Union has a variety of affordable options to help you finance your dream. Dreams can come true when you Fix it UP with Heritage!
For smaller projects, like new kitchen appliances, consider using our 0% intro APR* Visa Credit Card. Use it to pay for Home Improvements and pay them off over a few months without high interest rates.
For large projects, like replacing the old windows in your home, a Home Improvement Loan may be your best option. Borrow up to $25,000 to finance your home improvement project with no equity or collateral required. Get a low, fixed-rate with a set payment schedule that helps you stay on budget.
For even larger projects, like maybe a room addition, our Home Equity Loan allows you to unlock the value of your home by using the equity you’ve built up as collateral. Borrow a fixed amount and receive the money in one lump sum. Or, with our Home Equity Line of Credit or HELOC, borrow against the available equity in your home as you need it.
Looking to finance a large project that will add equity to your home? Maybe you’re looking at a new home purchase, but the property needs a little “TLC”? Then our Renovation Loan could be the answer. You can finance up to 95% of the completed value of the home and it can be used for either a home purchase or the renovation of your current home.
*APR = Annual Percentage Rate. Information is accurate as of 04/01/2018. New consumer VISA® Credit Card accounts can have an introductory rate as low as 0% APR on new purchases and on balance transfers (excludes HFCU funds and must be balance transfers outside of the credit union) for the first 6 billing cycles. For balance transfers, there is no balance transfer fee. Balance transfers after the promotional period may be subject to a fee up to 4.00% of the amount transferred with a minimum of $10, a cash advance fee up to 2.00% of the advance amount with a minimum of $10, on each foreign transaction, there is a fee of 1.00% of the transaction amount. After the promotional period expires, the rate will convert to a variable APR currently between 8.25% and 16.25%. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. For Indiana residents, call us at (812) 253-6928, for Kentucky residents, call us at (270) 830-8233, or call toll free at (800) 858-1693 for current cost information.