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News & Events

To understand a HELOC vs. home equity loan, think of a credit card vs. a loan.

Do you have big life events coming up? Do you need money for unexpected expenses? Are you hoping to transform your home into a beautiful haven? If so, you may be considering obtaining a loan and wondering about HELOC vs. home equity loans. Both offer numerous benefits, but the right choice for you may come down to your personality and lifestyle. Here’s what we mean. Basic Facts About HELOC vs. Home Equity Loans Home equity is the difference between the value of your home and...

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Home equity loans can be beneficial and effective.

Home equity loans may be one of the best-kept secrets in the financial world. Credit cards, mortgage loans, and personal loans get all the attention, but home equity loans can be just as effective and beneficial. Are you hoping to renovate your home, for instance, or do you have holiday expenses coming up that you need to pay for? Home equity loans are ideal solutions for both, but that’s just the beginning. What is Equity? New homeowners frequently ask us, “What does home equity mean?”...

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A couple speaks with a mortgage banker in this image. Are you looking for a mortgage lender in the Savannah Metropolitan Area? If so, we may help you decide which options are best for you.

Are you planning to purchase a new home in Georgia? Congratulations! We are happy for you. Finding the perfect home is a big decision, as is choosing a mortgage lender in the Savannah Metropolitan Area who can meet your needs. Mortgages are available through Credit Unions, banks, and private lenders, but the many different formats and options may be overwhelming. We are here to answer your mortgage questions one-on-one. In the meantime, however, here are a few steps you may wish to take beforehand as...

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If you are looking for consumer loans in Georgia, we may be able to offer options for personal loans, recreational vehicle loans, boat loans, and more. In this image, a parent and child watch a sunset with an RV parked beside them.

If you are looking for consumer loans in Georgia, rest assured that our Credit Union may be able to provide you with many options that may enhance your lifestyle. From motorcycle loans to home loans, our financing solutions may enhance your lifestyle, help you get back on your feet, or give you much-needed peace of mind. Types of Consumer Loans through Georgia Heritage Federal Credit Union Consumer loans could be used for unexpected medical expenses, to finance that trip of a lifetime, to buy a...

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If you are looking for boat loans in Georgia, you should consider factors such as GAP coverage for boats. Our Georgia Credit Unions offers competitive rates for boat loans. This is an overhead image of a yacht in beautiful blue water with mountains in the background.

The wind blowing through your hair. The water splashing all around. The sun warming your skin. There’s nothing quite like owning a boat to enhance your lifestyle, and as a Georgia resident, you can use it to enjoy the outdoors all year long. Don’t own a boat? Well what are you waiting for? If you need a boat loan in Georgia, Credit Unions offer competitive rates to help you set sail. In order to find the best boat loan in Georgia to meet your specific...

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Building your credit rating takes time, but it's possible when you pay your bills on time and open various lines of credit. In this image, a credit score of 752 is shown on a cellphone screen.

If you have struggled in the past, building your credit rating may sound like an insurmountable task. But it’s not. You can improve your credit score and your overall quality of life. A moderate or high credit score can significantly improve your ability to obtain car loans, obtain a home mortgage, or even rent a hotel room. If you have a low credit score or no credit, on the other hand, you may face many obstacles in obtaining things that are commonplace in everyday living....

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There are many types of home loans in Georgia that offer valuable benefits. In this image, a happy couple are holding the keys to their new home.

If you are looking for home loans in Georgia, it’s important to research all of your options. It’s very possible that you are eligible for discounts and financial assistance that you never knew about. To help you get started in your research, following are the various types of home loans Georgia residents may be eligible for. VA Loans A VA loan is a mortgage that is backed by the U.S. Department of Veterans Affairs.  Veterans, active military personnel, and military spouses may qualify, and they...

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If you are looking for personal loans in Georgia, our Credit Union offers some tips.

Residents who are looking for personal loans in Georgia may feel somewhat overwhelmed. There are many options, and they are similar in some ways but different in others. Furthermore, do you go to a Credit Union in Georgia for a personal loan or to a bank or other lending institution? There’s a lot to think about, so we are providing the following suggestions to help you get started. How to Identify the Ideal Personal Loans in Georgia for Your Needs 1. Research the general differences...

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It's not too late to make financial resolutions for the new year. In this image, a man rides his bicycle in a residential neighborhood with his child in a child seat behind him. Buying a bike is one way to save money on gasoline expenses.

Every year, we hear about basic financial resolutions for the new year from just about every corner: create a budget, cut out unnecessary expenses, contribute more to your savings account, and so on. This year, however, consider catching up on those financial projects that have been on the back burner. Sometimes, digging deeper and getting to the root of a problem may help you resolve an issue or improve a situation — possibly leading to a domino effect of positive results. What exactly do we...

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