Home state: Vermont
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    HERITAGE FAMILY mortgage rates

    HERITAGE FAMILY's lowest publicly advertised 30-year fixed rate today is 7.063% APR — the national average is 7.147%. That's about $8,158 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 HERITAGE FAMILY's rates every weekday, starting around 11 a.m. Central.

    We last read HERITAGE FAMILY's rates page on Nov 2, 2026. HERITAGE FAMILY dates its published rate sheet Aug 1, 2025.

    Today's rates from HERITAGE FAMILY

    ProductRateAPRPointsWe readSource
    30 Year Fixed—Lender publishes APR only7.063%0Nov 2, 2026
    Lender's sheet dated Aug 1, 2025
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    15 Year Fixed—Lender publishes APR only6.725%0Nov 2, 2026
    Lender's sheet dated Aug 1, 2025
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    FHA 30 Year Fixed—Lender publishes APR only7.348%0Nov 2, 2026
    Lender's sheet dated Aug 1, 2025
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    5 Year ARM Jumbo—Lender publishes APR only6.379%0Nov 2, 2026
    Lender's sheet dated Aug 1, 2025
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    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 HERITAGE FAMILY

    Heritage Family Credit Union was originally founded to serve GE employees in Vermont and continues to operate as a member-owned cooperative.

    Where HERITAGE FAMILY writes mortgages

    HERITAGE FAMILY publishes mortgage lending in 1 state.

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

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