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Featured Rates

New Car

as low as

7.24%APR²

Apply for an auto loan
VISA® Credit Card

as low as

14.90% APR² ³

Apply for a credit card
Home Equity

as low as

6.99% APR¹ ²

Apply for a home equity loan
Personal

as low as

9.99%APR²

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 if you haven't yet!

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 7.49% APR¹ for 15 years. Save thousands of dollars in interest charges and pay no application or origination fees.

Make your move

The latest from Heritage Grove

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Home Equity Loan and Share Certificate Promotions – June 2023

Want to jump start your savings? We've got some amazing home equity and certificate specials for you.

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Heritage Grove Offers Several Overdraft Protection Options

Heritage Grove offers multiple overdraft options. The fee-free and best option is to set up overdraft account transfers from your savings to your checking account. To set...

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You Can Still Buy a Home

Mortgage loan interest rates are rising, and are expected to continue to rise throughout 2023. This has had the effect of a bucket of...

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Your Deposits are Safe at Heritage Grove

At Heritage Grove Federal Credit Union, we know that your money is important to you. We want to assure you that all member deposits...

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Five Habits Every Budgeter Should Develop

Starting a budget can be a fun and exciting way to get your finances in order. Budgeting can be a tool to help you...

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Budgeting for the Holidays

Now is a great time to think about your Holiday Budget. If you have an idea of how much you spend each holiday season,...

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APY = Annual Percentage Yield. The advertised APY is offered as of May 1, 2023. The minimum balance required to obtain the advertised APY on a Share Certificate account is $1,000. Dividends are paid upon the share certificate maturity. Fees could reduce the earnings on any account. Early withdrawal penalty will apply. Heritage Grove Credit Union membership required. Offer subject to change without notice.

¹

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 6.99% 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 4.99% APR, the monthly payment will be $265.04. (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.

²

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

³

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.