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    Credit union mortgage rates
    Home state: New York
    Lends in 2 states

    FIRST HERITAGE mortgage rates

    FIRST HERITAGE's lowest publicly advertised 30-year fixed rate today is 7.112% APR — the national average is 7.147%. That's about $3,402 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read FIRST HERITAGE's rates every weekday, starting around 11 a.m. Central.

    We last read FIRST HERITAGE's rates page on Nov 2, 2026.

    Today's rates from FIRST HERITAGE

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%7.112%2Nov 2, 2026Visit
    20 Year Fixed6.875%6.929%0Nov 2, 2026Visit
    15 Year Fixed—Lender publishes APR only6.49%—Nov 2, 2026Visit
    10 Year Fixed—Lender publishes APR only6.24%—Nov 2, 2026Visit
    Visit FIRST HERITAGE's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    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

    FIRST HERITAGE publishes mortgage lending in 2 states.

    New YorkPennsylvania

    Pennsylvania counties where FIRST HERITAGE serves members

    Lycoming County, PABradford County, PAPotter County, PATioga County, PA

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

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