Personal Banking

Loans

HeritageBank offers a variety of financing options to meet everyone's needs. We offer several loans to help you fund all the major purchases in your life, as well as those just-for-fun things. Monitoring and payment of your loan is easy with access to your account through HeritageBank's Online Banking and Bill Pay service.

Autos, Boats & Other Loans

Get moving with a car, truck, boat or RV loan from HeritageBank. Whether you're hitting the road or lake, our vehicle loans offer you rates and terms designed to save you time and money.
  • Fast approval time
  • Up to 100%* of either the purchase price or NADA retail price, whichever is less
  • Make payments by mail, at your HeritageBank office or ATM, or have them automatically deducted from your HeritageBank account
  • Pre-approved loans available for easy shopping without financing hassles
  • Credit Life, Disability Insurance, Mechanical Breakdown and Gap Insurance are smart options
  • Refinance your higher-interest auto loan from another financial institution and save
  • Tax Saver Loans are available to homeowners
  • To determine the value of your vehicle or trade, click NADA.
* Subject to credit approval.

Revolving Credit Service

This line of credit is an excellent alternative if you want immediate access to loan funds.
  • Draw on your available credit line to borrow money
  • May use as overdraft protection for a checking account

Savings/Certificates Secured Loans

When you use your HeritageBank savings account or certificate of deposit as collateral you can borrow against the amount you have on deposit.
  • Borrow up to 100% of funds on deposit with a secured loan
  • Offers lower interest rates than other loan products

Student Loans

Investing in a college education will pay off in years to come and HeritageBank is committed to providing you with the following options to help you finance your college education.

Federal Stafford Loans
  • The subsidized version of the Stafford loan is a need-based loan. With this loan, interest is paid by the government while you are in school and during the six months following graduation.
  • With an unsubsidized version of the Stafford loan, interest is paid by the borrower, but it may be deferred until graduation, or paid while you are still in school.
  • Interest may be tax-deductible – Check with your tax advisor regarding interest deductibility
Federal PLUS (Parent Loan)
  • Available to all credit worthy parents to help cover education costs
  • Repayment on these loans begins within 60 days after the loan is fully disbursed
  • Interest may be tax-deductible – Check with your tax advisor regarding interest deductibility
Contact our Student Loan Specialist at 229-878-3300 for current rate information or how to get started in the process of securing a student loan.

Credit Cards

Put the purchasing power of Platinum to work for you. Our Platinum Plus Visa® Credit Card offers worldwide purchasing power, while protecting you from fraudulent activity around-the-clock. In addition, the competitive benefits package includes:

  • Secure online access to account information, schedule online payments, review recent statements and much more. Click here for online access to your account information.
  • Flexible credit limits
  • Use it everywhere - worldwide acceptance at millions of locations
  • Click here to apply
FIA Card Services, N.A., is the issuer and administrator of this credit card program.