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Rates

Your next ride can’t wait – but your payments can!

This September, Heritage Grove is here to make your next car purchase even easier – with no payments for up to 90 days.*

Buying a car can be a complex experience but Heritage Grove is here to help. Get a head start and know what you can afford before going into the dealership by getting pre-approved today.

Low rates, flexible terms to fit your lifestyle, and a quick and easy application are just a few reasons you’ll love a Heritage Grove auto loan. We’re here for your journey.

Questions? Chat with one of our Member Service Representatives! Call/text us at 503.588.0211 or email creditunion@ourgrovecu.com.

Apply online today

man and woman hold hands while driving down the road

Auto Loans

Grab hold of the wheel.

Whether you’re looking for a new or used car, truck, RV, boat, motorcycle or ATV, or you want to refinance a high-rate auto loan from another lender, we can help.

Need assistance in finding a vehicle? Check out our Car Buying Service and Vehicle Loan Tools, and don’t forget to cover your investment with our special rate Insurance Services from Liberty Mutual.

Choose Your Vehicle

The first step is to explore your options—cars, trucks, motorcycles and even RVs and ATVs—we’ve got what you’re looking for.

We’ll get you moving.

Buying a new or used car or truck is easy with Heritage Grove as your navigator. When shopping for a new or used vehicle, getting pre-approved ensures you’ll know exactly how much money you qualify for, your interest rate and term, so that you won’t have to negotiate financing. Most importantly, you’ll know exactly what your monthly payments will be.

If you already have a vehicle loan with another lender, check out our auto loan rates and terms. By refinancing with Heritage Grove, you may be able to save thousands of dollars over the life of your loan.

Ready to own a new or new-to-you car or truck? Apply online, give us a call or come in and visit with us.

Apply for an Auto Loan

white car goes down the road past sunflowers

Home is wherever you are.

Hit the open road in a new or used RV or spend some time getting to know your local nearby lake or bay in a new or used boat to get a taste of all that Mother Nature has to offer.

If you’re looking more for utility, our RV loans also cover horse trailers and haulers. No matter what you’re in the market for, we promise competitive rates and terms.

Heritage Grove RV loans are available for:

Self-Contained Motor Homes (Class A & C)
Travel Trailers
Truck Campers
5^th Wheels
Toy Haulers
Non-Self-Contained RVs
Boats (motorized or not, we even offer financing on the trailer and motor)
Horse Trailers
Trailers

Apply for an RV or boat loan

Go where the roads aren’t.

If you’re thinking maximum adventure, a motorcycle or all-terrain vehicle (ATV) may just be the ride for you. We can finance nearly any vehicle except farm vehicles, tractor-trailer haulers and airplanes, including:

Motorcycles, mopeds, road bikes
Personal Watercraft (Jet Skis, Wave Runners)
All-Terrain Vehicles (Quad)
Snowmobiles

Apply today

man and woman in motorcycle helmets look out over the ocean

Heritage Grove’s Car-Buying Service

High-powered car or truck research at your fingertips.

To help with your new or used vehicle search, our Car-Buying Service³, powered by TrueCar®, is one of the most effective ways to find the vehicle you’re looking for. You gain access to the powerful TrueCar® search engine to see what other people have paid, if there are manufacturer incentives or rebates, and you’ll get upfront pricing information from participating Certified Dealers so you can truly shop and compare.

Best of all, we’ll fast-track your loan application so that you can complete the deal in record time.

Start using our Car Buying Service

Vehicle Loan Tools and Resources

Buying a vehicle shouldn’t be a hassle. These resources will help make your vehicle-buying experience easier.

Need help going through the numbers? Call us at 503-588-0211 and let’s see what we can do by working together.

View our vehicle loan rates

It’s never too late to safeguard your purchase. Heritage Grove offers a variety of coverage to help protect you and your car, truck or other vehicle in the event of an accident or mechanical failure:

Mechanical Breakdown Protection is similar to a dealership warranty program but is typically 20-30% less expensive. Our MBP policies include:

24-hour roadside assistance
Rental vehicle reimbursement
No-charge flat tire repair
Trip interruption reimbursement
No limit on claims
Direct payment to repair facility (no waiting for reimbursement) on most repairs

Click here to obtain a quote for Mechanical Breakdown Protection

Guaranteed Asset Protection Plus is a protection plan that covers your vehicle in the event that it is stolen and not recovered or damaged beyond repair. GAP+ covers the difference between what your insurance company is willing to pay and the remaining balance on your loan payoff, subject to policy limits. In addition, GAP+ will apply $1,000 towards the down payment of your replacement vehicle if financed through Heritage Grove. Obtain a quote for Guaranteed Asset Protection Plus now

If you suffer a loss during the Coverage Period, which is covered by your auto policy, you may be entitled to reimbursement of the Covered Auto Deductible. Reimbursement will be equal to the Covered Auto Deductible on the Auto Policy, up to $500 per Loss. Click here to obtain a quote for Guaranteed Asset Protection Plus.

This is a low-cost, voluntary insurance policy that will pay off your loan (up to the policy maximum) in the event you or your covered joint borrower dies. It will protect your family from financial burden in the event of your death, and the disability coverage ensures your loan payments are covered, protecting you from credit problems. This coverage is available for a variety of loans.

Doing your due diligence before diving into any major purchase is the best way to be well informed and ready. If you have any questions about our asset protection products, give us a call or stop by the branch. When you’re ready to start your vehicle-buying experience, you can call us or apply online.

You may be paying too much for Auto Insurance

TruStage<sup>™</sup> Auto Insurance Program

You work hard for your money and even harder to keep your budget on track. So why spend too much on Auto Insurance—maybe hundreds of dollars too much?

Heritage Grove members may qualify for discounts on Auto Insurance through the TruStage^™ Auto Insurance Program. You could save big, and it could be simple to switch carriers—without losing any money.

TruStage offers a powerful mix of savings and popular, member-friendly benefits:

Credit union members could save hundreds
Nationally recognized companies
Friendly, 24/7 service—even on holidays
Discounts for multiple vehicles, good driving and more
Mobile app for easy claims

It’s simple to get a free quote today. Don’t wait to see how much you could save.

Upload Proof of Insurance

CUDL AutoSmart will help you research the vehicle you’re looking for and where to find it.
Kelley Blue Book provides accurate car value information as well as informative shopping tips.
NADA Guides is an excellent resource for pricing all kinds of vehicles including cars, trucks, motorcycles, boats, RVs and more.
Oregon DMV provides all the information and forms you’ll need to streamline your vehicle-buying experience.

If you're not a member and you'd like to enjoy the Heritage Grove difference, call 503-588-0211 to join today. You can also join online.

Deferring your first payment (up to 90 days from the funding date for your loan) is optional and is not a condition of your loan. Deferring your loan payment may affect your Annual Percentage Rate and the total interest you pay. Offer not valid for credit score 699 or lower. All other loan terms and provisions will remain the same. Offer subject to change without notice.

Heritage Grove does not warrant or endorse any products on this car-buying website.

Calculators are provided for your convenience. Calculations are designed to be an approximation using information you provide. Such information is not part of any credit application with us. The accuracy of this calculator and its applicability to your circumstances is not guaranteed and actual results may vary. This calculator is not intended as an advertisement, a disclosure under any consumer law, an offer to make a loan, or an offer of any advice. You should obtain personal advice from qualified professionals. This calculator does not guarantee the availability of any particular product or interest rate and some of the products described in the calculator are not available through us.

Equal Housing Lender Federally insured by NCUA

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Designed and maintained by Raoust

631 Winter Street NE, Salem, OR 97301
503-588-0211 or 1-877-695-8321
Routing number: 323276391

Designed and maintained by Raoust

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