Spend like a superhero.

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You can have spending superpowers today (donning your cape in a telephone booth is optional). The Heritage Grove VISA® Credit Card gives you the power to make purchases without having to carry around cash or a checkbook. It can even protect you from fraud when making online purchases. Best of all, you can use it anywhere in the world VISA® is accepted.

In addition, our card can help you stand tall with benefits like:

  • No Annual Fee
  • Great Low Rates Depending on Credit Qualifications
  • 25-Day Grace Period on Purchases (excluding Cash Advances)
  • No Fee for Balance Transfers
  • Access to our Free Member Rewards and Cash-Back Programs
  • Auto Rental Collision Damage Waiver (Click for program details and exclusions)

Credit card APRs range from 9.90% to 18.00% APR. Rate is variable. Rates are current as of October 23, 2020 and subject to change. Cash advance fee is 3% of the amount of each cash advance ($10 minimum). Balance transfer fee to transfer a balance to Heritage Grove is 0% as of October 23, 2020.

If you haven't established a credit score, or your credit score is a little bruised, we have the perfect solution – our VISA® Secured Card.

With our VISA® Secured Card, you deposit money equal to your credit limit in your Heritage Grove Ownership Share account. That money is then placed on hold while your card account is open. Use the card as if it were a regular, unsecured credit card. By charging, then making on-time payments every month, you establish a positive credit history and show the ability to repay in a timely manner.

No matter which Heritage Grove VISA® Credit Card you choose, you can apply for it online or by visiting us at the branch.

VISA® Credit Card Agreement and Disclosure

* APR = Annual percentage rate.

If you're not a member and you'd like to enjoy the Heritage Grove difference, we'd be happy to get you enrolled today. You can also enroll online.

Customer Identification Program Notice

Credit Cards
Apply Now Rates Calculators
Lost or Stolen VISA® Credit
or VISA® Debit Card?

During Business Hours

Phone: 503-588-0211
Toll-free: 1-877-695-8321

After Business Hours

VISA® Credit Card (U.S.): 1-888-297-3416
VISA® Credit Card (International): 1-206-389-5200
VISA® Debit Card: 1-800-472-3272

Activate and establish/change Debit Card PIN Toll-free:


Member can now activate and choose/change their Credit Card PIN by calling Toll-free:

(US) 800-290-7893, (International) 206-624-7998.