The Heritage Financial Credit Union is a personal line of credit from Heritage Financial Credit Union. The annual fee is There are no annual fees. The ongoing APR is Variable: Prime Rate (WSJ) plus a margin of 4.00% to 11.00% based on creditworthiness; maximum rate 18.00% APR. Typical credit limit: Maximum loan amount up to $50,000. Loan terms: Minimum monthly payments based on 2.00% of outstanding balance (payment of $20.00 per month based on $1,000 balance).