Signature & Secured

Apply Online via Online BankingApplying for a Members Heritage loan is easy and convenient.  Apply in person, by mail, via phone/fax, or online.

With your good credit, you can borrow money on your signature alone.  Use the cash for whatever you need. We offer open-end Signature Lines of Credit and closed-end Signature loans. We may sometimes offer special seasonal Signature loans.

  • Fixed rate
  • Flexible terms up to 48 months.
  • Unsecured (no collateral needed).
  • Minimum loan amount: $500. Maximum loan amount established at time of approval.
  • Make advances at the teller window, with a representative, or by phone.

print a loan application


New to Members Heritage?  Want to apply online?  Click here!

Skip a Loan Payment

Need Some Extra Cash? You can now skip a loan payment* and have more cash when you want it! One Skip-A-Payment is permitted per loan per calendar year. There is a $20 fee for each loan payment that is skipped.

To take advantage of this offer, complete this online application.

For a printable version, please click here.

*In order to participate, all loans must be current and accounts must be in good standing. Loans that have had an extension or payment modification, within the last year may not qualify. This offers does not apply to mortgages, home equity loans/2nd mortgages or credit cards. Interest will continue to accrue on your loan during the month you skip your payment. Future claims for credit disability, credit life insurance and GAP claims may be affected by participating in the program. Skipped payment will be added to the end of the loan contract. Some restrictions apply.


*All loans subject to approval. Members Heritage complies with the Equal Credit Opportunity Act.

Share Secured Loans

A share secured loan allows you to use money in your Share Savings account or Term Share Certificate as security. This way you don’t need to tie up property or equity, and you can still earn dividends on your savings while getting a lower loan rate.  Click here to go to MH Online to enter a secure loan application.*  To print a loan application, click here.

  • Variable rate dependent upon share dividend rate. (Check our Current Rates.)
  • Terms up to 120 months.
  • A hold will be placed on the Share Savings account or the Term Share Certificate being used as collateral on the loan.

print a loan application



Other Secured Loans

We offer variable rate secured loans on a variety of items. Here are a few examples: personal computers, pianos, truck campers, ATV’s, RV’s, motor homes, boats, farm equipment, and motorcycles. Terms can be up to 10 years.  Contact us for more information.

*All loans subject to approval. Members Heritage complies with the Equal Credit Opportunity Act.