--- title: "Parks Heritage Credit Union: #1 HELOC in New York" description: "Parks Heritage Credit Union has the lowest tracked HELOC rate in New York (5.25% APR) among 53 credit unions we verify. Parks Heritage Credit Union rates today: vehicle loans from 4.00% APR, HELOC from 5.25% APR, savings & CDs up to 4.20% APY, personal loans from 7.50% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Parks Heritage Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/parks-heritage" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Parks Heritage Credit Union: #1 HELOC in New York ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | 4.000% APR | 4.000% | — | Standard | | **RV's and Boats** rv | 5.750% APR | 5.750% | — | Standard | Parks Heritage Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | 5.250% APR | 5.250% | — | Standard | Parks Heritage Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | 7.500% APR | 7.500% | — | Standard | | **Home Improvement Loan** personal | 8.000% APR | 8.000% | — | Standard | Parks Heritage Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | 8.950% APR | 8.950% | — | Standard | Parks Heritage Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Savings** savings | 0.05% APY | 0.05% | — | Standard | | **Youth Account** savings | 0.10% APY | 0.10% | — | Eligibility restricted | | **Tier 2** savings | — APY | 1.90% | — | Standard | | **Tier 3** savings | — APY | 2.15% | — | Standard | | **Tier 4** savings | — APY | 2.40% | — | Standard | | **12-Month Certificate** cd_12mo | — APY | 4.00% | 12 mo | Standard | | **6-Month Certificate** cd_6mo | 4.00% APY | 3.95% | 6 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 4.05% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 4.10% | 36 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.20% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | 4.20% APY | 4.15% | 48 mo | Standard | Parks Heritage Credit Union savings & cd rates as of November 12, 2026 Vehicle loans available from 4% APR. HELOC rates from 5.25% APR. Personal loan rates from 7.5% APR. Credit card rates from 8.95% APR. Savings and certificate yields up to 4.20% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/parks-heritage) , verified from [Parks Heritage Credit Union's official website](https://parksheritagefcu.org/) Best product position **#1 of 53** HELOC Gap to state best **0 bp** State market leader Vs. state median **124 bp better than median** HELOC Products ranked **2** across tracked New York markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 5.25% | #1 of 53 · lowest in New York | State market leader | 124 bp better than median | | personal loan | 7.50% | Better than the New York median | 650 bp from state best | 149 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Parks Heritage Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=parks-heritage&state=new-york&code=NY&name=Parks%20Heritage%20Credit%20Union) Loading branch locator… ## About Parks Heritage Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.7K Assets $41.9M Founded 1965 Locations reported 2 NCUA charter 16933 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Coopers Cave** Cooper's Cave Federal Credit Union · Glens Falls · NY · 12801-3158 About 0.7 miles away](https://rateapi.dev/credit-unions/new-york/coopers-cave) [**Hudson River Community** Glens Falls Branch · Glens Falls · NY · 12801-4141 About 0.8 miles away](https://rateapi.dev/credit-unions/new-york/hudson-river-community) [**Great Meadow** Queensbury · Queensbury · NY · 12804 About 2.7 miles away](https://rateapi.dev/credit-unions/new-york/great-meadow) [**TCT** Queensbury · Queensbury · NY · 12804-5858 About 3.4 miles away](https://rateapi.dev/credit-unions/new-york/tct) [**Sunmark** Wilton Branch · Saratoga Springs · NY · 12866 About 14.8 miles away](https://rateapi.dev/credit-unions/new-york/sunmark) [**Broadview** Wilton · Saratoga Springs · NY · 12866 About 15.3 miles away](https://rateapi.dev/credit-unions/new-york/broadview) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Parks Heritage Credit Union Membership eligibility from Parks Heritage Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Parks Heritage Credit Union's website. Check the membership page below to confirm whether you qualify. - Location warren, washington, saratoga, essex, hamilton — NY Verified from [Parks Heritage Credit Union's membership page](https://parksheritagefcu.org/become-a-member/) . Final membership determination is always made by the credit union. ## Membership rules for Parks Heritage Credit Union Geography 5 counties 5 published paths to membership, last verified August 21, 2026, quoted from Parks Heritage Credit Union’s own published criteria. ### Geography 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Essex County, NY - Hamilton County, NY - Saratoga County, NY - Warren County, NY - Washington County, NY “Parks Heritage is a member-owned financial co-operative serving the communities in Warren, Washington, Saratoga, Essex, and Hamilton, counties of upstate New York.” > [source ↗](https://parksheritagefcu.org/become-a-member/) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Parks Heritage Credit Union? Yes No ## Work at Parks Heritage Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Parks Heritage Credit Union ranks against New York peers. - See which AI assistants fetched Parks Heritage Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=parks-heritage&state=new-york&code=NY&name=Parks%20Heritage%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Parks Heritage Credit Union offer? Parks Heritage Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Parks Heritage Credit Union rates updated? RateAPI verifies Parks Heritage Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Parks Heritage Credit Union's rate data? Rate data is collected directly from Parks Heritage Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Parks Heritage Credit Union's auto & rv loan rates? As of November 12, 2026, Parks Heritage Credit Union offers vehicle loans from 4% APR. ### What is Parks Heritage Credit Union's HELOC rate? As of November 12, 2026, Parks Heritage Credit Union offers home equity lines of credit from 5.25% APR. ### What is Parks Heritage Credit Union's personal loan rate? As of November 12, 2026, Parks Heritage Credit Union offers personal loans from 7.5% APR. ### What is Parks Heritage Credit Union's best CD rate? As of November 12, 2026, Parks Heritage Credit Union offers savings and certificate (CD) yields up to 4.20% APY. ### Who can join Parks Heritage Credit Union? Parks Heritage Credit Union publishes its membership criteria on its own website. RateAPI tracks 5 published membership paths covering 5 counties for Parks Heritage Credit Union, each quoted from Parks Heritage Credit Union's own published membership criteria. ## Related Rate Data Compare Parks Heritage Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York HELOC rate leaders](https://rateapi.dev/heloc-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://parksheritagefcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Parks Heritage Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Parks Heritage Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /parks-heritage " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Parks Heritage Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/parks-heritage Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp