The Heritage Financial CU is a personal loan from Heritage Financial CU. The ongoing APR is 11.49% (unsecured home improvement, up to 180 months). Typical credit limit: max $40,000. Loan terms: up to 15 years (180 months). An unsecured home improvement loan gives you fast, flexible financing to upgrade your home, without using your house as collateral. Whether you’re remodeling a kitchen, replacing a roof, adding outdoor living space, or tackling essential repairs, this loan pro