There are reports of scammers sending text messages impersonating a client’s bank.
These text messages may appear to be from “Heritage Bank” (as well as other banks)
and the client is requested to call a listed number to provide their credit or debit card information.
Heritage Bank of Commerce will never ask you to provide sensitive information in this manner.
If you have any questions, please call our Customer Service Line at 888-494-4599 or contact your local branch.

Personal Lending

For more information, please contact the Consumer Products Department at 408-947-6900.

Lines of Credit

Heritage Reward Lines of Credit for Individuals

Ready Reserve Line of Credit

Get peace of mind with our personal overdraft line when unexpected financial decisions arise. Our Heritage Ready Reserve Line of Credit for Individuals offers a $1,000 - $25,000 line of credit (subject to approval) to cover overdrafts or give you buying power.

Heritage Reward Lines of Credit

Get funding for major expenses or keep money in reserve for a future purchase opportunity. Our Heritage Reward Line of Credit for Individuals offers a $25,000 - $350,000 line of credit (subject to approval) to give you buying power.

Personal/Home Equity Lines of Credit

Contact any of our proven lending experts to learn more about the range of personal loan services we offer including home equity lines, and personal lines of credit.

Home Equity Lines

Use the money in your home to make renovations, take a special vacation, pay for your children’s tuition, buy a new vehicle or make investments. Heritage Bank offers home equity lines of credit for one to four family residential homes.

  • Loans from $50,000 to $500,000
  • Variable rate account

Credit Cards

We offer a variety of Consumer credit cards depending on your needs and lifestyle.

  • College student
  • Rewards