First Heritage Credit Union
Verified rate book
Current First Heritage Credit Union rates
11 published offers verified as of July 30, 2026.
Mortgage rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 5.875% APR | 5.875% | — | Standard |
| Time Saver Mortgage15 year fixed | 5.990% APR | 5.990% | — | Standard |
| 30-Year Fixed, Refinance30 year fixed | 5.875% APR | 5.875% | — | Standard |
Auto & vehicle rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New and Used Auto Loanauto_any | 4.990% APR | 4.990% | any | Standard |
| RV Loanrv | 6.490% APR | 6.490% | — | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loan (Fixed)heloc_fixed | 5.740% APR | 5.740% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 7.990% APR | 7.990% | — | Standard |
Savings & CD rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| IRAira | 0.40% APY | 0.40% | — | Standard |
| Apex Cashsavings | 3.00% APY | 3.00% | — | Standard |
| Apex Cash Backsavings | 3.00% APY | 3.00% | — | Standard |
| 6-Month Certificatecd_6mo | 3.65% APY | 3.65% | 6 mo | Standard |
As of July 30, 2026, First Heritage Credit Union offers a 30-year fixed mortgage at 5.875% APR. Vehicle loans available from 4.99% APR. HELOC rates from 5.74% APR. Personal loan rates from 7.99% APR. Savings and certificate yields up to 3.65% APY.
Source: RateAPI.dev, verified from First Heritage Credit Union's official website
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About First Heritage Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 50.9K
- Assets
- $838.4M
- Founded
- 1954
- Locations reported
- 9
- NCUA charter
- 9604
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial education
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join First Heritage Credit Union
Membership eligibility from First Heritage Credit Union's own published criteria. How we verify this.
Community charter: live/work in Allegany, Chemung, Livingston +7 more, NY, PA
- LocationAllegany, Chemung, Livingston, Schuyler, Steuben, Tioga, Yates, Bradford, Lycoming, Potter — NY, PA
Verified from First Heritage Credit Union's membership page. Final membership determination is always made by the credit union.
Work at First Heritage Credit Union?
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Frequently Asked Questions
What rates does First Heritage Credit Union offer?
First Heritage Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 30, 2026 directly from the credit union's official website.
How often are First Heritage Credit Union rates updated?
RateAPI verifies First Heritage Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 30, 2026.
Where does RateAPI get First Heritage Credit Union's rate data?
Rate data is collected directly from First Heritage Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is First Heritage Credit Union's mortgage rate?
As of July 30, 2026, First Heritage Credit Union offers a 30-year fixed mortgage at 5.875% APR.
What are First Heritage Credit Union's auto & rv loan rates?
As of July 30, 2026, First Heritage Credit Union offers vehicle loans from 4.99% APR.
What is First Heritage Credit Union's HELOC rate?
As of July 30, 2026, First Heritage Credit Union offers home equity lines of credit from 5.74% APR.
What is First Heritage Credit Union's personal loan rate?
As of July 30, 2026, First Heritage Credit Union offers personal loans from 7.99% APR.
What is First Heritage Credit Union's best CD rate?
As of July 30, 2026, First Heritage Credit Union offers savings and certificate (CD) yields up to 3.65% APY.
Related Rate Data
Compare First Heritage Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack First Heritage Credit Union rates
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# Get rates for First Heritage Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/first-heritage" \
-H "Authorization: Bearer YOUR_API_KEY"