Loan & Deposit Promotions – February 2026
Heritage Grove regularly features special offers to help members reach their financial goals. Check out this month’s promotions on a variety of products. Questions? Our team is happy to help! Call/text us at 503.588.0211 or email creditunion@ourgrovecu.com. email.
Visa Credit Card Balance Transfer
Show your finances some love. High-interest credit card debt can take a toll on your budget. This February, make a move that puts your financial well-being first with a balance transfer.
Transfer your balance to your Heritage Grove VISA Credit Card and enjoy:
- Introductory balance transfer rates as low as 7.99% APR¹ for 12 months²
- No balance transfer fees
- One easy monthly payment
This month, choose a smarter way to manage debt. Transfer your balances with Heritage Grove! Don’t have a Heritage Grove Visa Credit Card? Apply online today!
If you have questions or want to know other ways to consolidate debt, speak with one of our Member Service Representatives! Call/text us at 503.588.0211 or email creditunion@ourgrovecu.com.
Mortgage
Home goals – still in season!
Refinance or purchase your home this February with 6.00% APR¹ for 30 years³. February is the perfect time to take control of your finances, build momentum, and keep your goals moving forward – even in the coldest months.
Questions? Speak with one of our Real Estate Specialists for more details. Call/text us at 503.588.0211 or email mortgage@ourgrovecu.com.
Home Equity
Settle in and strengthen your financial foundation. Whether you’re tackling home projects, consolidating debt, or lowering your monthly payment, winter is an ideal time to refocus and get ahead.
This February, build financial momentum with a Home Equity Loan, rates starting as low as 5.99% APR¹ for 84 months⁴.
Need more flexibility? Our Home Equity Line of Credit (HELOC) lets you access funds when you need them, with the option to choose a variable or locked rate.
There are several options to help you, depending on your needs. Speak with one of our Real Estate Specialists for more details. Call/text us at 503.588.0211 or email mortgage@ourgrovecu.com.
Certificate Specials
Wrap up the year with great rates!
Lock in strong CD rates this December and watch your savings grow.
| Term | Deposit Tiers | Annual Percentage Yield⁵ |
|---|---|---|
| 9 Month | $1,000 – $19,999.99 $20,000 – $99,999.99 $100,000 + | 2.75% 3.00% 3.25% |
If you have questions or need assistance opening the CD, call/text us at 503.588.0211 or email creditunion@ourgrovecu.com. For additional certificate rates and terms, go to our rates page.
General questions? Call 503-588-0211 Monday through Friday, 8:00 a.m. to 5:00 p.m.
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APR = Annual percentage rate.
Promotional Annual Percentage Rate (APR) applies only to new credit card balances transferred to Heritage Grove Federal Credit Union from credit cards issued by other financial institutions. 7.99% – 16.99% introductory rate will apply based on credit worthiness for 12 months from the date of first transfer of each balance from another financial institution. Variable rate (currently 13.40% – 18.00%, based on credit worthiness) will apply to balance transfers made after the introductory period, and will apply to all balance transfer amounts remaining unpaid after the introductory period. Membership and credit qualifications apply. Offer subject to change without notice. Promotion expires February 28, 2026.
The promotional offer is for purchase or refinances on primary residences in Oregon. Second/Vacation Homes, Rental Properties and Manufactured homes are not eligible. Minimum loan amount is $25,000. Rate applies to borrowers with a credit score of 680 or higher. Maximum loan to value (LTV) is 80%. The loan amount and Annual Percentage Rate you receive is based on your credit rating, loan-to-value of property and loan term. Loan origination fee is 1% of the loan amount; appraisal fee and other closing costs and fees may apply. With a loan amount of $300,000 at 6.00% for 30 years, the estimated principal and interest payment would be $1,799.20. The estimated payment does not include real estate taxes or homeowner’s insurance premiums. All loans are subject to credit and property approval. Offer expires February 28, 2026. Offer subject to change without notice. Contact Heritage Grove for more details.
Home equity loan APRs range from 5.99% to 17.99% APR. No application fee and no origination fee. Rates are subject to change. Payment example: On a $25,000 loan at 5.99% APR for 84 months, the monthly payment will be $365.23.
APY = Annual Percentage Yield. The minimum balance required to obtain the advertised APY on a Share Certificate account is $1,000. Dividends are paid upon the share maturity. Fees could reduce the earnings on any account. Early withdrawal penalties apply. Certificate rates and APYs are subject to change without notice.