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    HERITAGE FINANCIAL mortgage rates

    HERITAGE FINANCIAL's lowest publicly advertised 30-year fixed rate today is 6.875% — the national average is 6.88%. That's about $481 saved over the life of a $400,000, 30-year loan. We track HERITAGE FINANCIAL daily and refresh rates every morning.

    Today's rates from HERITAGE FINANCIAL

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%6.997%—Sep 11, 2026Visit
    15 Year Fixed6.5%6.622%—Sep 11, 2026Visit
    5 Year ARM5.625%5.747%—Sep 11, 2026Visit
    7 Year ARM5.75%5.872%—Sep 11, 2026Visit
    Visit HERITAGE FINANCIAL's rates page

    Rate history

    Lowest daily rate HERITAGE FINANCIAL advertised for each product, 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

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

    New York

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

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