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    Credit union mortgage rates
    Home state: New York
    Lends in 3 states

    HERITAGE FINANCIAL mortgage rates

    HERITAGE FINANCIAL's lowest publicly advertised 30-year fixed rate today is 7.122% APR — the national average is 7.147%. That's about $2,431 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 FINANCIAL's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from HERITAGE FINANCIAL

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.122%—Nov 2, 2026Visit
    15 Year Fixed6.75%6.872%—Nov 2, 2026Visit
    5 Year ARM5.75%5.872%—Nov 2, 2026Visit
    Visit HERITAGE FINANCIAL'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 HERITAGE FINANCIAL

    Membership is open to anyone who lives, works, worships, volunteers, or attends school in Orange, Ulster, Dutchess, Putnam, or Rockland Counties in New York; Pike County in Pennsylvania; or Passaic and Sussex Counties in New Jersey. Family members of current members are also eligible. The credit union expanded its service area to include Passaic County, NJ, and Putnam County, NY, while removing Sullivan County from its field of membership.

    Family of a member
    immediate family of existing member
    County
    Orange, NY, Dutchess, NY, Rockland, NY, Putnam, NY, Ulster, NY, Pike, PA, Sussex, NJ, Passaic, NJ

    Where HERITAGE FINANCIAL writes mortgages

    HERITAGE FINANCIAL publishes mortgage lending in 3 states.

    New JerseyNew YorkPennsylvania

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

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