The Heritage Financial Credit Union is a home equity loan from Heritage Financial Credit Union. The ongoing APR is Fixed APR as low as: up to 60 months 6.00%; 61 to 120 months 6.25%; 121 to 180 months 6.75%; 181 to 240 months 7.00%. Loan terms: Up to 240 months (rate table terms: up to 60, 61 to 120, 121 to 180, 181 to 240 months).