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    HERITAGE VALLEY mortgage rates

    HERITAGE VALLEY's lowest publicly advertised 30-year fixed rate today is 7.062% APR — the national average is 7.147%. That's about $8,255 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 VALLEY's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from HERITAGE VALLEY

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%7.062%2.26Nov 2, 2026Visit
    20 Year Fixed7.125%7.237%0Nov 2, 2026Visit
    15 Year Fixed7%7.139%0Nov 2, 2026Visit
    10 Year Fixed7%7.194%0Nov 2, 2026Visit
    5 Year ARM6.725%7.425%1.55Nov 2, 2026Visit
    7 Year ARM6.5%7.24%1.83Nov 2, 2026Visit
    10 Year ARM6.975%7.492%2.55Nov 2, 2026Visit
    FHA 30 Year Fixed6.75%7.452%0Nov 2, 2026Visit
    FHA 15 Year Fixed6.5%7.33%0.85Nov 2, 2026Visit
    VA 30 Year Fixed7%7.266%0Nov 2, 2026Visit
    VA 15 Year Fixed6.5%7.146%1.33Nov 2, 2026Visit
    30 Year Fixed Jumbo7.375%7.422%0.25Nov 2, 2026Visit
    15 Year Fixed Jumbo6.5%6.533%0Nov 2, 2026Visit
    Visit HERITAGE VALLEY'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 VALLEY

    Heritage Valley Federal Credit Union is a community-driven institution primarily serving those who live, work, or conduct business in York County, PA.

    Family of a member
    Immediate family members
    County
    York County, PA, York, PA, Adams, PA, Cumberland, PA, Dauphin, PA

    Where HERITAGE VALLEY writes mortgages

    HERITAGE VALLEY publishes mortgage lending in 1 state.

    Pennsylvania

    Pennsylvania counties where HERITAGE VALLEY serves members

    Cumberland County, PAAdams County, PADauphin County, PAYork County, PA

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

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