Home Loans
First Mortgage

Your home is not just a place to live, it's an investment. Whether you're buying a new home, relocating, or refinancing your current home, Members Heritage has a home mortgage that's easy to live with. We are also happy to talk with you about refinancing your loan from another financial institution. Click here for a first mortgage online application.

Here are some options:

  • First Mortgages available in most states.
  • Flexible terms available: 10, 15, 20, or 30 years.
  • FHA loans, VA loans, and unimproved land loans also available.
  • Adjustable rate mortgages (ARM's) and fixed rates mortgages offered.
  • Home insurance coverage plans available.
  • No prepayment penalty.
  • To provide proof of Homeowners Insurance click here.

     Second Mortgage
    With every mortgage payment you make, you're building equity in your home. Why not use it for the things you want with a Members Heritage Second Mortgage. These mortgage loans are secured by the equity in your property.

    • Fixed rate loan with terms up to 20 years.
    • Closed-end, one time advance.
    • Flexible payment terms available.
    • Loan-to-value ratio up to 100%.
    • No prepayment penalty.
    • Interest paid may be tax deductible. (consult your tax advisor).
    • For Kentucky,Indiana and North Carolina Members.
    • To provide proof of Homeowners Insurance click here.

    Home Equity Line of Credit Variable rate loan with a 7-year draw period (15-year repayment period). 

  • Specific credit limit set; checks provided for easy access.
  • Minimum first time advance is $500; subsequent advances are $100 or more.
  • Loan-to-value ratio up to 100%.
  • Your minimum payment will be 1.5% of the outstanding balance as of your last advance, or $50.00, whichever is greater.
  • No prepayment penalty.
  • Interest paid may be tax deductible (consult your tax advisor)
  • For Kentucky, Indiana and North Carolina Members.
  • To provide proof of Homeowners Insurance click here.

    Travelers Auto and Home Insurance Program 

    The Travelers Auto and Home Insurance Program for Members Heritage Federal Credit Union members gives you access to these great benefits:

    Special savings on quality coverage
    Easy payment options, including Electronic Funds Transfer (EFT)
    Money-saving discounts and advantages
    Free, no-obligation quotes from licensed insurance representatives or online

    Find out how you can get the right coverage at a better price with the Travelers Auto and Home Insurance Program for Members Heritage Federal Credit Union members.  



  • [ Membership | Accounts | Loans | Mortgage & Home Equity | Electronic Services | Financial Education | About Us
    What's New | Newsletter | Current Rates | Applications | Contact Us | Careers | Notices | Search ]
    Privacy Policy Notices, Terms, and Conditions | Design & Hosting by D+H
    Browser Requirements | Copyright D+H All Rights Reserved.
    go button applications greenvehicles