Rates
Check out these amazing rates whether you are looking to borrow or save.
New Vehicle 2022 - Newer
(minimum amount for terms over 75 months is $25,000)
New Motorcycle and ATV/UTV 2022 - Newer
(minimum amount for terms over 75 months is $25,000)
Recreational Vehicles (excluding ATV/UTV/Cycle) 2018 - Newer
(minimum amount for terms over 75 months is $25,000)
Used Vehicle 2018 - 2021
(minimum amount for terms over 75 months is $25,000)
Used Motorcycle and ATV 2018 - 2021
(minimum amount for terms over 75 months is $25,000)
Older Vehicle 2017 - Older
Other Collateral Secured 2017 - Older
Rates above are current as of the date posted above and are subject to change without notice. Monthly payment estimate based on a 30 day month. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify for the lowest rate. This credit union is federally insured by the National Credit Union Administration
Home Equity Loans
Home Equity Line of Credit
Rates accurate as of July 14, 2025
0% APR* Intro for 6 Months
As low as 7.25 % After 6 Mo.
Ten year draw period. Floor 3% APR - Ceiling 15% APR. Variable rate loan. Property Insurance is required.
Closing costs are waived unless the loan is discharged within 3 years of the origination date in which case you will be required to pay closing costs, which will range from approximately $400-$1,800.
*APR = Annual Percentage Rate. Minimum amount to finance is $10,000. Approval subject to our credit granting terms and conditions. After introductory period rate will revert to a variable rate based on prime. APR is as low as prime minus .25%.
Prime rate is as published in the Wall Street Journal. Maximum rate is 15% APR. Credit score will determine your rate. Not all borrowers will qualify for the lowest rate. Other rates and terms available. New money only. NMLS ID 460887.
Home Equity Closed End
No closing costs unless mortgage is discharged for any reason within three years of the loan date. 90% LTV
Rates above are current as of the date posted above and are subject to change without notice. Monthly payment estimate based on a 30 day month. The rate you receive and the loan to value options presented are based on your credit score.
Approval subject to our credit granting terms and conditions. New money only. Not all applicants will qualify for the lowest rate. Property Insurance Required.
Mortgage Financing
Conventional Fixed Rate Mortgage
(Owner Occupied)
Rates above are current as of the effective date above and are subject to change without notice. The monthly payment amount displayed is based on a mortgage of $100,000 and an LTV of 80% or less. The monthly payment includes principle and interest. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. Payments do not include amounts for mortgage insurance premiums, and the actual payment obligation will be higher.
Adjustable Rate Mortgages
First Heritage has a variety of Adjustable Rate (ARM) products. Please contact a mortgage lender for rates and to schedule an appointment.
Time Saver Mortgage
Sample Monthly Payment - $50,000 at 5.99% APR for 10 years is approximately: $554.85
Sample Monthly Payment - $50,000 at 6.24% APR for 15 years is approximately: $428.44
Rates above are current as of the date posted above and are subject to change without notice. Payments do not include amounts for mortgage insurance premiums, and the actual payment obligation will be higher.
This credit union is federally insured by the National Credit Union Administration. Credit restrictions may apply, maximum loan amount shall not exceed 80% of home value, and proceeds must be used to pay off an existing mortgage tradeline resulting in First Heritage taking primary lien position.
Homeowner's Advantage - Call Toll Free 1-877-266-7222
OwnersChoice Funding Incorporated - Call Toll Free 1-800-342-4998
Visa® Platinum and Classic
Method to Compute Balance on Purchases: Average daily balance including new purchases.
Cash Advance Transaction Fee: None
Balance Transfer Fee: None
Annual Membership Fee: None
Visa Credit Card Late Payment Fee: $25.00
Grace Period for Purchases: 25 days
*APR = Annual Percentage Rate. Balance transfer rate of 1.99% APR effective for 12 months. Rate will revert to a variable APR of prime + 4.50% APR for Visa Platinum and 13.25% APR for Visa Classic once the promotional period has ended. Rates above are subject to change without notice. *Prime rate is as published in the Wall Street Journal. Foreign Transaction Fee: 1% of transaction amount after it is converted to U.S. dollars. Requests for further information on fees and terms applicable to the advertised accounts are available from any First Heritage Federal Credit Union employee. Rates subject to change daily. Membership Eligibility Required. Approval subject to our credit granting terms and conditions. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify for the lowest rate. Federally insured by NCUA.
Fixed-Rate Loans
Signature/Personal Loan
Rates above are current as of the date posted above and are subject to change without notice. Monthly payment estimates based on a 30 Day Month. Not all applicants will qualify for the lowest rate.
Variable Rate Loans
Secured Loans
Rates above are current as of the date posted above and are subject to change without notice. *Prime rate is as published in the Wall Street Journal. **APR = Annual Percentage Rate This credit union is federally insured by the National Credit Union Administration.
Savings & Checking Accounts
Rates accurate as of July 3 2025
Savings
APEX Saver**
IRA Savings
Holiday/Vacation Club
APEX Cash
APEX Cashback
Heritage Checking
Business Checking
Money Market
Requests for further information on fees and terms applicable to the advertised amounts are available from any First Heritage Federal Credit Union employee. Rates subject to change daily. Membership Eligibility Required. Fees may reduce the earnings on the accounts. For more information, please refer to our Fee Schedule. Member forfeits their dividends if an account is closed before dividends accrue. **Must have an APEX Cash Checking Account or an APEX Cash Back Checking Account and meet the monthly qualification requirements.
IRA & Certificate Accounts
Certificate Minimum Balance: $1,000
Jumbo Certificate Minimum Balance: $100,000
Score Goal Certificates (Members ages 0-17):
$100 minimum opening deposit required. Terms available: 3, 6, 12, 18, 24, 36, 48 and 60 months. Additional deposits (minimum $25 per occurrence) are unlimited and may be made at any time. Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity). Dividends are paid monthly and can be compounded or withdrawn. If the member chooses to reinvest the dividend, it will continue to compound monthly. Members may access the account in person, or through Digital Banking. Monthly account statements. Quarterly statement is sent if there are no electronic transfers in a month. Members receive a notice 30 days prior to maturity. Certificate will automatically be renewed at the new rate unless the member notifies the credit union within 10 days from the date of maturity.
A penalty will be imposed for early withdrawal.
*APY = Annual Percentage Yield. In order to earn dividends at the disclosed rate for APEX Cash, or to earn cash back on point of sale transactions using your Visa® Debit Card for APEX Cash Back, and be reimbursed for domestic ATM fees incurred, during each monthly qualification cycle: (a) at least one automatic clearing house (ACH) transaction must post and settle to Your Account as evidenced by Your monthly statement; and (b) at least 12 point of sale transactions using Your Visa Debit Card must post and settle to Your Account as evidenced by Your monthly statement; and (c) You must consent to receive Your periodic statements electronically. Each monthly qualification cycle will begin on the first day of the calendar month for a monthly statement cycle, and end on the last day of that same calendar month's statement cycle ("monthly qualification cycle"). Individual domestic ATM fees will be reimbursed at an amount equal to the actual fees incurred during a monthly qualification cycle (subject to a total reimbursement of $25.00 during any such monthly qualification cycle), except to the extent that ATM fees of $5.00 or more will not be reimbursed unless you present a copy of the original receipt that details the specific amount of the total charge. On the last day of each cycle (subject to Your meeting the qualifying criteria during the current qualification cycle), earned dividends and reimbursements will post to Your Account, as applicable. Each member may be the primary owner of one APEX Cash Checking or one APEX Cash Back Checking Account.