The Heritage Bank

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The Heritage Bank
100 North Wilson Street
Fremont, NC 27830
PH: (919) 242-6011
FX: (919) 242-6013

Once you have opened your checking account with The Heritage Bank , ask about the variety of loan and financing plans we offer to help you manage your finances and your life.

Consumer Loans

The Heritage Bank offers a wide variety of consumer loans that provide a way for you to enjoy the things you want and need today. Whatever those needs, from a dream vacation to a new car or a home improvement, we are ready to help. Just contact your Heritage Banker.

Ø Competitive rates and terms.

Ø Payments can be automatically drafted from your Heritage Bank account, so you are never past due.

Check Reserve - Overdraft Protection

Check Reserve offers convenient access to credit to cover unexpected expenses and prevent unexpected overdrafts.

When approved, you can simply write yourself a loan up to your credit limit or enjoy the security of knowing unexpected overdrafts are covered. As you repay your Check Reserve, it becomes available to use again. Check Reserve has competitive rates and flexible payment terms.

Competitive rates and flexible payment terms are available.
There is no charge to establish a Check Reserve and no annual fee.
Finance charges only accrue when you use it.
Funds are advanced to your checking account in increments of $100.
EquityLine

Put the equity of your home to work for you with a home EquityLine. Home EquityLines typically offer lower interest rates than many other loans, and, just like your mortgage, the interest you pay may be 100% tax deductible (consult a tax advisor concerning interest deductibility). Use funds for a large purchase, home improvement or debt consolidation.

Ø Access is easy with free EquityLine checks.


Ø EquityLines have a 15-year credit term with minimum monthly payments of 1.5% of the outstanding balance or a $100 minimum payment.

Ø Any loan advance made represents a claim on the equity in your home.

Ø All EquityLines are subject to credit approval, verification, and evaluation of collateral.