Home state: New York

    FIRST HERITAGE mortgage rates

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    Rates as of Jan 1, 2026

    Today's rates from FIRST HERITAGE

    No fresh rates available. This credit union may temporarily be off our daily comparison — verify current rates directly with FIRST HERITAGE.

    Who can join FIRST HERITAGE

    Membership is open to anyone who lives, works, worships, or attends school in seven New York counties (Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, Yates) and four Pennsylvania counties (Bradford, Lycoming, Potter, Tioga). Immediate family and household members of eligible individuals are also invited to join.

    County
    Allegany County, NY, Chemung County, NY, Livingston County, NY, Schuyler County, NY, Steuben County, NY, Tioga County, NY, Yates County, NY, Bradford County, PA, Lycoming County, PA, Potter County, PA, Tioga County, PA

    Where FIRST HERITAGE writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with FIRST HERITAGE.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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