Richmond Heritage

richmond, Virginia
Last verified: July 8, 2026

As of July 8, 2026, Richmond Heritage offers a cd mortgage at 3.55% APR (3.55% rate, 0 points). Auto loans available from 3.49% APR. HELOC rates from 5.49% APR. Personal loan rates from 7.49% APR.

Source: RateAPI.dev, verified from Richmond Heritage's official website

Mortgage Rates

Rates as of July 8, 2026

cd
3.550% APR
Rate3.550%
Points0
Certificates
ploc_variable
9.990% APR
Rate9.990%
Points0
Line of Credit (LOC) Line of Credit

Auto Loan Rates

Rates as of July 8, 2026

auto_new
3.490% APR
Rate3.490%
New Car Loan
auto_new
3.490% APR
Rate3.490%
New Auto Loan
auto_new_48mo
3.490% APR
Rate3.490%
New Auto Purchase (Never Titled) 0-48 Months
auto
3.490% APR
Rate3.490%
Promotional auto loan refinance rates
auto_new_60mo
3.740% APR
Rate3.740%
New Auto Purchase (Never Titled) 49-60 Months
auto_used_48mo
3.990% APR
Rate3.990%
Used Auto Purchase and Refinance (2023-2027) 0-48 Months
auto
3.990% APR
Rate3.990%
Standard Auto Refinance
auto_new_66mo
4.240% APR
Rate4.240%
New Auto Purchase (Never Titled) 61-66 Months
auto_used_60mo
4.240% APR
Rate4.240%
Used Auto Purchase and Refinance (2023-2027) 49-60 Months
auto
4.240% APR
Rate4.240%
Auto Loan
auto_new
4.240% APR
Rate4.240%
New auto loan
auto_used_48mo
4.490% APR
Rate4.490%
Used Auto Purchase and Refinance (2022 and older) 0-48 Months
auto_new_72mo
4.740% APR
Rate4.740%
New Auto Purchase (Never Titled) 67-72 Months
auto_used_60mo
4.740% APR
Rate4.740%
Used Auto Purchase and Refinance (2022 and older) 49-60 Months
auto_used_66mo
4.740% APR
Rate4.740%
Used Auto Purchase and Refinance (2023-2027) 61-66 Months
auto_new
4.990% APR
Rate4.990%
New RV Loan
auto_any_48mo
4.990% APR
Rate4.990%
New & Used RV Purchase and Refinance (RV's, Campers, Watercraft, Motorcycles) 0-48 Months
auto_new_78mo
5.240% APR
Rate5.240%
New Auto Purchase (Never Titled) 73-78 Months
auto_used_66mo
5.240% APR
Rate5.240%
Used Auto Purchase and Refinance (2022 and older) 61-66 Months
auto_used_77mo
5.240% APR
Rate5.240%
Used Auto Purchase and Refinance (2023-2027) 72-77 Months
auto_any_60mo
5.490% APR
Rate5.490%
New & Used RV Purchase and Refinance (RV's, Campers, Watercraft, Motorcycles) 49-60 Months
auto_new_84mo
5.740% APR
Rate5.740%
New Auto Purchase (Never Titled) 79-84 Months
auto_used_72mo
5.740% APR
Rate5.740%
Used Auto Purchase and Refinance (2022 and older) 67-72 Months
auto_used_78mo
5.740% APR
Rate5.740%
Used Auto Purchase and Refinance (2023-2027) 73-78 Months
auto_any_66mo
5.990% APR
Rate5.990%
New & Used RV Purchase and Refinance (RV's, Campers, Watercraft, Motorcycles) 61-66 Months
auto_used_84mo
6.240% APR
Rate6.240%
Used Auto Purchase and Refinance (2023-2027) 79-84 Months
auto_any_72mo
6.490% APR
Rate6.490%
New & Used RV Purchase and Refinance (RV's, Campers, Watercraft, Motorcycles) 67-72 Months
auto_any_78mo
7.240% APR
Rate7.240%
New & Used RV Purchase and Refinance (RV's, Campers, Watercraft, Motorcycles) 73-78 Months
auto_any_84mo
7.740% APR
Rate7.740%
New & Used RV Purchase and Refinance (RV's, Campers, Watercraft, Motorcycles) 79-84 Months
credit_card
7.900% APR
Rate7.900%
Credit Card
credit_card_platinum
7.900% APR
Rate7.900%
Credit Cards Platinum
credit_card_secured
7.900% APR
Rate7.900%
Credit Cards Secured
credit_card
8.900% APR
Rate8.900%
Credit Cards Gold
auto_any_102mo
9.240% APR
Rate9.240%
New & Used RV Purchase and Refinance (RV's, Campers, Watercraft, Motorcycles) 85-102 Months
auto_any_120mo
9.740% APR
Rate9.740%
New & Used RV Purchase and Refinance (RV's, Campers, Watercraft, Motorcycles) 103-120 Months
credit_card
9.900% APR
Rate9.900%
Credit Cards Classic

HELOC Rates

Rates as of July 8, 2026

heloc
5.490% APR
Rate5.490%
Home Equity
heloc
5.490% APR
Rate5.490%
Home Equity 1st Position 60 Months
heloc
5.990% APR
Rate5.990%
Home Equity 1st Position 90 Months
heloc
5.990% APR
Rate5.990%
Home Equity 2nd Position 60 Months
heloc
6.490% APR
Rate6.490%
Home Equity 2nd Position 90 Months
heloc
6.990% APR
Rate6.990%
Home Equity 1st Position 120 Months
heloc
7.240% APR
Rate7.240%
Home Equity 2nd Position 120 Months
heloc
7.990% APR
Rate7.990%
Home Equity 1st Position 180 Months
heloc
8.490% APR
Rate8.490%
Home Equity 2nd Position 180 Months

Personal Loan Rates

Rates as of July 8, 2026

personal_unsecured
7.490% APR
Rate7.490%
Personal Loan
personal_unsecured_24mo
7.490% APR
Rate7.490%
Personal Loan Rates 0-24 Months
personal_unsecured_36mo
7.990% APR
Rate7.990%
Personal Loan Rates 25-36 Months
personal_unsecured_48mo
8.490% APR
Rate8.490%
Personal Loan Rates 37-48 Months
personal_unsecured_60mo
8.990% APR
Rate8.990%
Personal Loan Rates 49-60 Months

Frequently Asked Questions

What rates does Richmond Heritage offer?

Richmond Heritage currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 8, 2026 directly from the credit union's official website.

How often are Richmond Heritage rates updated?

RateAPI verifies Richmond Heritage's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 8, 2026.

Where does RateAPI get Richmond Heritage's rate data?

Rate data is collected directly from Richmond Heritage's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Richmond Heritage's mortgage rate?

As of July 8, 2026, Richmond Heritage offers a cd mortgage at 3.55% APR.

What is Richmond Heritage's auto loan rate?

As of July 8, 2026, Richmond Heritage offers auto loans from 3.49% APR.

Related Rate Data

Compare Richmond Heritage's rates against national credit-union benchmarks.

More Virginia credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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