A Cash Secured Line is pledged against a Heritage Bank Savings Account or Certificate of Deposit. Cash Secured Lines are a good idea if you're looking to build your credit or you need to make a necessary purchase but don't want to dip into your savings. With a Cash Secured Line, you borrow against your savings at Heritage Bank and receive a low-rate loan, while still earning interest on your financial resources on deposit! The interest rate is adjustable with WSJ Prime and can change as often as daily. You may borrow up to 90% of the available balance.