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We'll get you the lowest mortgage rate. Guaranteed. Plus, get $300 off closing costs.°

  • We’re confident we can get you the lowest rate on your mortgage. Already approved with another lender? We'll beat your rate or give you $100.°° Talk to a loan officer for details.
  • Get $300 off closing costs when you get a new first mortgage or refinance a non-Heritage first mortgage.

Apply using our online mortgage application and mention promo code 300MORTGAGEWEB to your loan officer for your closing cost bonus.

Featured ARM and fixed rate mortgages:

Home Loans Table
Type/Term Rate/APR
5 Year ARM

2.625% Rate**


7 Year ARM

2.750% Rate**

3.608% APR*

10 Year Fixed

2.125% Rate**

2.267% APR*

15 Year Fixed

2.375% Rate**

2.473% APR*

Did you already start a mortgage application?

Log in to the Mortgage Center to check the status of your loan or view messages from your loan officer.

Ask us how to save each month with a mortgage refinance.

Now is a great time to refinance your existing mortgage with a new one to get a lower rate or monthly payment. Here's what one of our members had to say:

“Within a two week time frame, we were approved and closed on our home loan refinance. It really couldn’t have been easier.”

Kari, Madison Member

Apply for a home loan refinance today

Our mortgage calculators make math easy.

How much mortgage can I afford? Should I rent or own? How much will my monthly payment be? Use our mortgage payment calculators to get answers to these questions.

Find out how much mortgage you can afford
Calculate your monthly mortgage payment
Compare the costs of renting vs. buying

Mortgage Questions Table

Have mortgage questions?

We've got the answers.

First Time Home Buyers Learn about our first time home buyer program

Download a free mortgage planning toolkit

Read: 5 Tips for First Time Home buyers


Here are some tips on when to refinance your mortgage

Calculate how long it will take to break-even if you refinance your loan

General Questions

See today's mortgage rates

Contact us to set up a free mortgage consultation

Learn about our affordable home equity loans.

Do you already own a home and need a loan? Learn how you can use the equity you have in your house to borrow for home improvements and large purchases through a home equity line of credit or loan.
Learn more about home equity loans


**Fixed rates will be subject to change daily. Minimum score to qualify 620, 95% LTV maximum, owner occupied, DTI 43% max. °All offers subject to qualified credit. New members: subject to member eligibility and an initial deposit of $5 into a primary savings account, which must remain open for 12 months. Accountholder must be 16 years of age or older to redeem coupon. Coupon must be presented by May 31, 2021, and prior to opening the account. Qualifying accounts must be opened within 30 days after presenting coupon. Cannot use multiple offers on same product. Promotions can change or end at any time. Bonus may be taxable as income and reported on IRS Form 1099-INT. Heritage employees and their immediate families are not eligible. Void if expired, altered, reproduced or photocopied. Each coupon may be used once per individual. Must present coupon upon application to receive $300 off closing costs. Good on first mortgages only. Not valid on refinancing Heritage loans. Some restrictions apply. These terms and conditions are subject to change at any time. °°Subject to qualified credit and membership eligibility. Pre-approvals do not qualify. Approval from other lender must be subject to specific property. The lender’s interest rate (APR) must not be supported by any third-party arrangements, including government programs such as FHA or VA loans. The lender’s interest rate must be widely available to all of its customers who share a similar credit risk profile. The interest rate (APR) must be for the same mortgage conditions that are being applied for at Heritage Credit Union, including but not limited to: property, loan amount, loan term, loan purpose and payment method. You need to be approved for identical interest rates and loan conditions at both the other lender and Heritage Credit Union. If requested by us, you will need to supply Heritage Credit Union with evidence that the other lender’s interest rate (APR) meets the Low Rate Mortgage Guarantee terms and conditions described here. This could include an approval letter, loan document containing the APR or other documentation. This offer expires at the time the borrower signs a rate lock form with Heritage Credit Union for a given mortgage. These terms and conditions are subject to change at any time.

7 Year ARM Mortgage

2.750% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*