Unleash your home’s hidden potential
It's time to transform your home into the space of your summer dreams with a low 6.99% APR* Home Equity Loan from Heritage Grove. Take advantage of the equity you've built to remodel your kitchen, extend your patio, or upgrade your garage with ease.
Give your home the makeover you and your home deserve today.
Renovate your space
What can we help you with today?
Featured Rates
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!
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.
The latest from Heritage Grove
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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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.
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.
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.