Borrowing
Credit decided by someone you can call back
Roughly one in nine mortgages written in Tompkins County since 1974 has been ours. Rates below assume autopay from a Heritages checking account and were last reviewed this week.
Current rates
Published, not personalised upward
30-year fixed mortgage
6.48%APR
360 months
Owner-occupied, 20% down, 740+ credit. Jumbo to $1.8M.
Home equity line
7.15%variable APR
10-year draw
Up to 85% combined loan-to-value. No closing costs under $250k.
Auto loan, new
5.24%APR
60 months
Rate includes 0.25% autopay discount from a Heritages checking account.
Personal loan
8.91%APR
36 months
Unsecured, $2,000 to $50,000. Funds posted within one business day.
Rates are illustrative and subject to change without notice. Your actual rate depends on credit history, loan-to-value, occupancy and term. This is not a commitment to lend.
Payment estimator
What would it cost each month?
Change any figure and the estimate updates. Nothing is sent to us and no credit file is touched.
Estimated monthly payment
$2,144.56
- Total interest
- $432,041.60
- Total of payments
- $772,041.60
Principal and interest only. Taxes, insurance and any escrow are not included, and mortgage estimates exclude closing costs.
How it goes
Three steps, and none of them are a portal
- 01
Talk before you apply
A ten-minute call tells you whether the structure works. No credit pull, no application on file.
- 02
One document request
We ask for what the file needs once, in a single list, rather than drip-feeding requests for six weeks.
- 03
A decision with a name on it
Your underwriter signs the decision and stays with the loan through closing and servicing.
Ready to put numbers to it?
Call the lending desk or send a message and an underwriter will come back to you — mon–fri 7am–9pm et · sat 8am–5pm et.