(starting as low as)
New Car 2.5% up to
60 months
Used Car 2.5% up to
48 months
Personal 3.5% up to
36 months
Raw Land 7.9% up to
60 months
Share Secured 3.0% ____
Home Equity 4.75% up to
60 months
APR = Annual Percentage Rate

New Online Loan Application


With our new and improved Online Loan Application, you can quickly and easily apply for a loan from the comfort of your home or office.  It's never been this quick and easy to apply, here’s how:


  • Log in to NetBranch

  • Click “Loan Application”

  • Review information

  • Submit application!

    Log in to take full advantage of the benefits of our safe and secure loan application!

    Click here to apply for your next loan.


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Introducing Chip Cards
KBR Heritage FCU will soon offer debit cards with chip technology. The embedded computer chip provides more security and wider international acceptance.

A microchip embedded in the card adds a new layer of protection against fraud for purchases made at the point of sale. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.

These cards are already in wide use around the world and are now becoming the standard in the U.S. For more information on Chip Cards, click here.

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New & Improved Bill Payer!
With Bill Pay, you'll have access to these great features:

*Search for vendors. Add new vendors simply by typing in the company name. If a match is found in the database, the vendor's information will be added automatically. No more hunting down mailing addresses! Simply enter your account number and add your bills to be paid.

*Set up reminders. Never make a late payment again! When you set up reminders, you'll receive a message telling you when your payment is due.

*Make recurring payments. Eliminate the hassle of paying your monthly bills by setting up recurring payments. This is a great option for payments that don't change from month to month - such as your car payment or mortgage.

*See it all at a glance! The Payment Center lets you make payments and view pending payments, recent payments, and bill reminders all on the same screen.

For a demo click here

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Now Available! Mobile Banking for Your Smartphone!
Get our App! KBR Heritage FCU's Mobile App is a secure, convenient way to access your accounts anytime, anywhere, using your mobile device. This application allows you to:

- View account balances

- View account transactions

- Transfer funds between your checking and savings accounts

- Transfer payments to your KBRHFCU loan and Mastercard credit card

- Be assured that your information is safe and secure

Now available for download in your AppStore or Google Play. Enter App Code: KBR Heritage FCU

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Your Dreams Are Just A Dandy Loan Away! 

Our two most popular personal loans have been extended and interest rates have been reduced! The possibilities are endless with these options. Mix and match and create the perfect loan for you. Take a look at a few examples and see what works for you:

Borrow $10,000 at 3.45% APR* for 36 months = $292.84/month

Borrow $20,000 at 5.45% APR* for 48 months = $464.77/month

Picture the possibilities you could use the money for:

  • New siding on your house
  • Remodel the kitchen
  • Plan a vacation to DisneyWorld with your kids
  • Wedding Expenses
  • Home repairs
  • Consolidate your loans


*APR = Annual Percentage Rate. Rates and terms subject to change without notice. Certain creditworthiness and credit criteria applies for lowest advertised rate. Other terms and rates available. **This offer excludes existing KBRHFCU loans. Limited time offer.

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Don't Toy Around With Dealer Rates!

For a limited time KBRHFCU is offering up to 100% financing on new autos with rates as low as 2.5% APR*. Whether you're shopping for a new or used vehicle or looking to refinance** a loan with KBRHFCU is nothing to toy around with. Call to speak with one of our loan officers or stop by the credit union. We will be happy to assist you with any of your needs!

*APR = Annual Percentage Rate. No additional discounts available. Certain creditworthiness and credit criteria applies for lowest advertised rate. Other terms and rates available. **This offer excludes existing KBRHFCU loans.

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*Access to Your Account with Shared Branches*
Whether it's because we're more connected to news coverage these days or because disasters and emergencies are actually on the rise, regional evacuations are a common reality. Take time to consider how quickly evacuation emergencies like 9/11, Hurricane Katrina or the recent wildfires happened and you'll realize there's not a lot of time to think through the small stuff - like getting to the credit union on the way out of town.

Having access to your money and financial services via CO-OP Shared Branching in case of a family emergency, geographic emergency or evacuation makes sense in today's world. With Shared Branching, no matter where in the country or the world you are, you can quickly locate the closest branch to you online, by phone, GPS or by downloading the free App.

Emergencies can happen to anyone, anywhere. As long as you have your account number and a valid photo ID, you'll be able to access your accounts just like you would at your home branch. To find a shared branch, visit, call 1-888-748-3266 or download the "Find Branch" app for iPhone on the App Store.

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KBRHFCU and CU Member Mortgage help you get the lowest mortgage rates!

It is a great time to open a new door to your new home with a low-cost Mortgage Loan from KBR Heritage Federal Credit Union!

If you're thinking about buying, building, or refinancing a home, it's a great time to make that move. Here's why:

  • Rates are the lowest they've been in years. Look as far back as the early 1960's and you'll find that rates today are the lowest they've been in decades. That fact translates to great savings in your monthly payments.
  • You have options for greater flexibility. If you're worried that you have limited options, think again! Whether you are buying or refinancing, we offer several different types of home loans at fixed and adjustable rates. You pick the option that works best for your needs.
  • Our one-on-one personalized service is difficult to find with the other guys!
  • Quick and easy application process. With the help of CU Member Mortgage, we make it quick and easy to apply for a loan. In a few simple steps you will be on your way to a pre approval letter. A loan officer will contact you with more details once you get pre approved.

To get more information or to apply for a loan,

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Enter App Code: KBR Heritage FCU