Heritage Financial Credit Union
Verified rate book
Current Heritage Financial Credit Union rates
20 published offers verified as of August 3, 2026.
Mortgage rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Fixed Rate 30 Year Mortgage 1330 year fixed | 6.747% APR | 6.625% | — | Standard |
| Fixed Rate 15 Year Mortgage 1315 year fixed | 6.372% APR | 6.250% | — | Standard |
| Five/Six Adjustable (5/6m) Arm 14arm | 5.497% APR | 5.375% | — | Standard |
| Seven/Six Adjustable (7/6m) Arm 14arm | 5.622% APR | 5.500% | — | Standard |
Auto & vehicle rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Signature Loan / Debt Consolidation / Secured By Autoauto_any_60mo | 8.740% APR | 8.740% | 60 mo | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 2026 HELOC Promotionheloc_variable | 4.490% APR | 4.490% | — | Standard |
Personal loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Universal Line of Credit (Un-LOC)ploc_variable | 10.750% APR | 10.750% | — | Standard |
| Credit Rebuilderpersonal | 18.000% APR | 18.000% | — | Standard |
Savings & CD rates
12 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Certificates Tailored to Meet YOUR Goals (Share/IRA Certificate - 6 months)ira_cd_6mo | 1.25% APY | 1.24% | 6 mo | Standard |
| Heritage High Yield Savingssavings | 2.25% APY | 2.25% | — | Standard |
| Certificates Tailored to Meet YOUR Goals (Share/IRA Certificate - 48 months)ira_cd_48mo | 2.50% APY | 2.48% | 48 mo | Standard |
| Share/IRA Certificate - 60 monthsira_cd_60mo | 2.55% APY | 2.55% | 60 mo | Standard |
| Certificates Tailored to Meet YOUR Goals (Share/IRA Certificate - 60 months)ira_cd_60mo | 2.55% APY | 2.53% | 60 mo | Standard |
| Certificates Tailored to Meet YOUR Goals (Share/IRA Certificate - 36 months)ira_cd_36mo | 2.75% APY | 2.72% | 36 mo | Standard |
| Certificates Tailored to Meet YOUR Goals (Share/IRA Certificate - 24 months)ira_cd_24mo | 3.00% APY | 2.97% | 24 mo | Standard |
| Certificates Tailored to Meet YOUR Goals (Share/IRA Certificate - 5 months)ira_cd_5mo | 3.00% APY | 2.97% | 5 mo | Standard |
| Certificates Tailored to Meet YOUR Goals (Share/IRA Certificate - 7 months)ira_cd_7mo | 3.40% APY | 3.36% | 7 mo | Standard |
| Certificates Tailored to Meet YOUR Goals (Share/IRA Certificate Special - 4 Months)ira_cd_4mo | 4.00% APY | 3.94% | 4 mo | Standard |
| Certificates Tailored to Meet YOUR Goals (Share/IRA Certificate Special - 12 months)ira_cd_12mo | 4.00% APY | 3.94% | 12 mo | Standard |
| Certificatecd | 4.00% APY | 4.00% | — | Standard |
As of August 3, 2026, Heritage Financial Credit Union offers a 30-year fixed mortgage at 6.747% APR. Auto loans available from 8.74% APR for 60 months. HELOC rates from 4.49% APR. Personal loan rates from 10.75% APR. Savings and certificate yields up to 4.00% APY.
Source: RateAPI.dev, verified from Heritage Financial Credit Union's official website
Loading branch locator…
About Heritage Financial Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 57.5K
- Assets
- $801.8M
- Founded
- 1940
- Locations reported
- 14
- NCUA charter
- 24985
- 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 counseling
- Financial education
- First-time homebuyer program
- Bilingual services
- Student scholarships
- Credit-builder products
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 Heritage Financial Credit Union
Membership eligibility from Heritage Financial Credit Union's own published criteria. How we verify this.
Membership criteria are published on Heritage Financial Credit Union's website. Check the membership page below to confirm whether you qualify.
- LocationDutchess, Orange, Pike, Ulster — NY, PA
Verified from Heritage Financial Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Heritage Financial Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Heritage Financial Credit Union ranks against New York peers.
Frequently Asked Questions
What rates does Heritage Financial Credit Union offer?
Heritage Financial Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.
How often are Heritage Financial Credit Union rates updated?
RateAPI verifies Heritage Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.
Where does RateAPI get Heritage Financial Credit Union's rate data?
Rate data is collected directly from Heritage Financial 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 Heritage Financial Credit Union's mortgage rate?
As of August 3, 2026, Heritage Financial Credit Union offers a 30-year fixed mortgage at 6.747% APR.
What are Heritage Financial Credit Union's auto loan rates?
As of August 3, 2026, Heritage Financial Credit Union offers auto loans from 8.74% APR.
What is Heritage Financial Credit Union's HELOC rate?
As of August 3, 2026, Heritage Financial Credit Union offers home equity lines of credit from 4.49% APR.
What is Heritage Financial Credit Union's personal loan rate?
As of August 3, 2026, Heritage Financial Credit Union offers personal loans from 10.75% APR.
What is Heritage Financial Credit Union's best CD rate?
As of August 3, 2026, Heritage Financial Credit Union offers savings and certificate (CD) yields up to 4.00% APY.
Related Rate Data
Compare Heritage Financial 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
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Heritage Financial Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for Heritage Financial Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/heritage-financial" \
-H "Authorization: Bearer YOUR_API_KEY"