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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Mortgage Loans

Shopping for a lender that will take the time to help you finance your dream home? You found us. We offer a wide range of mortgage options, including farmland, manufactured homes, construction-to-perm and secondary market financing.

Home Equity Loans

Need funds for home improvements, debt consolidation, help funding college or finally making that big dream purchase? Tap the equity in your home.

Home Equity Line of Credit Loans (HELOC)

Get ahead of home improvements or any other priority with a HELOC secured by your mortgage. We offer draw periods of up to five years. 

Construction Loans

Finance your project with Heritage Bank & Trust, a bank with a history of simplifying the process for customers and builders alike. 

Recreational Loans

Finance your fun with competitive rates on new or used boats, e-bikes, ATVs, RVs or motorcycles.

Auto Loans

Whether it's time to replace the family car or restore that vintage truck you've been eyeing, we're experts at automobile finance.

Personal Loans

Update, celebrate, consolidate. Whatever the need, we have the personal finance solution to help make it happen.

Our Lenders

Work with a local lending expert who's right down the road and will help get you the decision you need.

Building Community Value

Local schools. Small businesses. Local nonprofits. We're here to help add value to each community we serve.

Online Banking

Keep Heritage Bank & Trust at your fingertips to transfer funds, pay bills, deposit checks and more – anytime, anywhere.

Mobile Banking

Manage your finances wherever, whenever. Use our mobile banking app to check balances, pay bills and more.

Love this bank and the staff. They are all very kind and professional. They truly care about all customers and work with them to get them what they need for both bank accounts and loans.

Brookelyn M.