Membership/Regular Savings account required. Limited time offer. United Heritage policies, terms, conditions and restrictions apply. Offers not eligible on existing United Heritage loans. Rates and fees subject to change without notice. APR applies to well-qualified borrowers. APR dependent on collateral, loan amount, credit and term selected. Loan interest begins to accrue on open date of loan. Delaying first payment for 90 days increases amount of interest paid over term of loan.