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Featured Rates

Home Equity

as low as

7.49% APR¹ ³

Apply for a home equity loan
New Car

as low as


Apply for an auto loan
VISA® Credit Card

as low as

15.15% APR³ ⁴

Apply for a credit card

as low as


Apply for a personal loan

We're here and on the go.

Whether you're out on the town or enjoying the home life, you can always access your Heritage Grove accounts online and with our mobile app. Download and set up your access today!

Auto Loans

It might be definitely is time.

Spring brings new things. We’re here to help you find that new or new-to-you car and to finance it with an auto loan with some of the lowest rates in the area and flexible terms up to 84 months. For a limited time, we’re giving you 0.50% off the loan rate you qualify for.² 

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Our Mission: Standing tall to deliver valuable and innovative financial solutions to our community, one member at a time.
Home Equity

It’s time to move in with us.

Move your home loan to Heritage Grove and take advantage of our low home equity rates starting as low as 7.99% APR¹ for 15 years. Save thousands of dollars in interest charges and pay no application or origination fees.

Make your move

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APR = Annual Percentage Rate. This promotion applies to new Heritage Grove home equity loans only. Minimum loan amount is $25,000. Current Home Equity Loan APR is between 7.49% and 13.99% based on loan term and credit profile. Home equity loan terms range from seven to 20 years. Maximum home equity loan APR is 18.00%, primary residence only. This promotion requires that Heritage Grove be in the first lien position only. Estimated third-party fees (closing costs) range from $332 to $4,500. If an appraisal is required, the cost will be paid by the applicant(s). Maximum loan-to-value (LTV) is 80% to 90%, depending on credit rating and term selected. The loan amount and Annual Percentage Rate you receive is based on your credit rating, loan-to-value of property and loan term. You will be provided the loan amount and rate for which you qualify when your loan is approved. Payment Example: For a $25,000 loan with a term of 120 months and a 7.49% APR, the monthly payment will be $296.62. (This payment does not include amounts for taxes and insurance premiums. The total payment will be higher if these items are applicable.) Shorter and longer terms may be available; rates may vary. Offer subject to change without notice.


Existing Heritage Grove auto loans are not eligible for this promotion. Minimum loan amount is $5,000. Direct financing only. The auto refinance rates range from 6.99% to 18.00% APR. These rates do not include the 0.50% discount. Payment example: On a $20,000 auto loan at 6.99% APR for 72 months, you would make 72 payments of $340.88. Loan based on approved credit. Offer subject to change without notice. Application deadline is June 30, 2024.


APR=Annual Percentage Rate. See Rates for full details.

FOR VARIABLE RATE LOANS EXCEPT SHARE SECURED: The Annual Percentage Rate (APR) for existing balances and new balances will be determined by adding the amount shown above in the “% Above Index” column to the Index. The Index is the U.S. Prime Rate as published in the Wall Street Journal. The rates are subject to change monthly to reflect any change in the index. Any increase in the APR will take the form of more payments of the same amount.