Personal Loans

We understand that sometimes working with a financial institution can feel like having to fit into a “mold”, instead of the bank molding to fit your needs. That’s why we always customize a loan package to fit your unique needs. Whatever the project, we can design a payment plan to fit your budget and make your dreams come true!

MorTgage Loans

Heritage Bank offers you instant access to a world of knowledge and information, including: mortgage calculators, powerful refinance strategies, and free pre-qualification for loans. When you’re ready you can even apply for a loan online with a trusted mortgage professional or if you prefer, you can apply by phone or in person.You can apply for a home purchase, refinance, home improvement, or home equity loan online 24/7 at your convenience below.*Must be at least 18 years of age to apply for a loan or deposit account alone.Disclosures & AcknowledgementsUSA Patriot Act Disclosure On September 11, 2001 our lives changed forever. In an effort to protect you and our country, the USA Patriot Act was signed into law. To help the government fight the funding or terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.You are applying for a loan. We therefore asked you for your name, address, date of birth and other information that will allow us to identify you. If you are not currently a Heritage Bank customer, we must also ask you to complete the driver’s license or other identifying information below.

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Heritage Bank complies with the federal SAFE Act requirement that all our mortgage loan originators (MLO) be registered with the Nationwide Mortgage Licensing System & Registry (NMLS). As required by law, the following are our MLO’s unique NMLS identifiers:

Jacob Arendt #1814242 PH:(402) 694-3136 ext 1022
Sara Arnett #1520771 PH: (308) 583-2262 ext 1102
Dawn Baldwin #1818032 PH: (402) 463-6611 ext 1354
Nic Dowling #2018489 PH: (402) 463-6611 ext 1353
Austin Geis #2507656 PH: (308) 583-2262 ext 1103
Lance Marshall #525239 PH: (402) 860-7408 ext 1652
Cam Moyer #1876956 PH: (402) 463-6611 ext 1351
Seth Onderstal #1229891 PH: (402) 860-7408 ext 1651
Beth Schulze #2507648 PH: (402) 694-3136 ext 1025
Clayton Suckstorf #2018912 PH: (308) 745-1500 ext 1403
Adam Vetter #1256337 PH: (402) 746-2251 ext 1553

If you need additional information, please contact Heritage Bank’s Compliance Officer at arnettsa@bankonheritage.com .

Home Equity Loans

Did you know there’s money hidden throughout your house? That’s right, it’s called equity—the difference between your home’s value and what you currently owe on your house. You can use your home equity to make your dreams come true…anything from a home improvement project to trading vehicles to taking that dream vacation. Plus, interest you pay on a home equity loan may be tax deductible. We would be happy to tailor a Home Equity Loan or Home Equity Line of Credit to meet your needs.

Apply Now! *Must be at least 18 years of age to apply for a loan or deposit account alone.

Disclosures & Acknowledgements

USA Patriot Act Disclosure On September 11, 2001 our lives changed forever. In an effort to protect you and our country, the USA Patriot Act was signed into law. To help the government fight the funding or terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

You are applying for a loan. We therefore asked you for your name, address, date of birth and other information that will allow us to identify you. If you are not currently a Heritage Bank customer, we must also ask you to complete the driver’s license or other identifying information below.

Car Loans

Time to trade vehicles? Get pre-approved for competitive vehicle financing at Heritage Bank first, so you can shop with confidence and strike a deal on the spot!

We’ll put our expertise to work to ensure you get the best deal possible on your next vehicle. That starts with giving you the tools you need to understand a vehicle’s current value. Visit NADA to get an estimated value for the vehicle you’re considering buying or trading in.

So, apply today and we’ll create an car loan to suit your budget. It’s quick, secure and easy! A Heritage Bank Relationship Manager will contact you the next business day to gather any remaining information we need and give you a vehicle-financing proposal.

Apply for Car Loan  *Must be at least 18 years of age to apply for a loan or deposit account alone.

Disclosures & Acknowledgements

USA Patriot Act Disclosure On September 11, 2001 our lives changed forever. In an effort to protect you and our country, the USA Patriot Act was signed into law. To help the government fight the funding or terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

You are applying for a loan. We therefore asked you for your name, address, date of birth and other information that will allow us to identify you. If you are not currently a Heritage Bank customer, we must also ask you to complete the driver’s license or other identifying information below.

Credit Cards

Whether you’re looking for the convenience of plastic for shopping, dining, travel, or to earn rewards with your purchases, look no further than Heritage Bank. We partner with Élan Financial Services to bring you several Visa options to choose from, each with its own set of valuable benefits.

When you carry a Heritage Bank credit card, you’re also getting:

  • Convenient, secure access to your card account 24/7 via the Élan website
  • Competitive rates and terms
  • Assistance from your Heritage Bankers whenever a need arises
  • Top-quality products we’re proud to stand behind
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