Coloring Contest Rules: Eligibility is for Heritage Grove FCU members. Entries must be submitted by October 31, 2026 via email to creditunion@ourgrovecu.com or in-person drop-off at a HGFCU branch. The work must be completed solely by the entrant, with no assistance. Materials are limited to crayons, markers, and colored pencils. One entry per person. For youth ages 5-12. Prizes include a $20.00 deposit into the youth savings account at Heritage Grove. One winner will be awarded for each age group. Contest submissions will be displayed in our Salem branch lobby and may be shared on our website or social media. Winners will be selected by staff popular vote.

This promotion applies to new Heritage Grove Home Equity Loans and Lines of Credit only. Minimum loan amount is $25,000. Current Home Equity Loan APR is between 5.99% and 17.99% and Home Equity Line of Credit APR is between 7.74% and 11.74% based on loan term and credit profile. Maximum home equity loan APR is 18.00%. Primary Residence only. Home Equity Loan terms range from 7 to 20 years. This promotion requires that Heritage Grove be in the first or second lien position only. The interest rate will be 0.50% higher in the second lien position. The Annual Percentage Rate (APR) you receive is based on your credit rating, loan-to-value of property and loan term. You will be provided the rate for which you qualify when your loan is approved. If an appraisal is required, the cost will be paid by the applicant(s). Estimated third-party fees (closing costs) paid by the borrower range from $405 to $1,230. Any non-standard title expenses will be paid by the applicant(s). Maximum loan-to-value (LTV) is 80%. Payment Example: For a $25,000 loan with a term of 84 months and a 5.99% APR, the monthly payment will be $365.06. (This payment does not include amounts for taxes and insurance premiums. The total payment will be higher if these items are applicable.) If the home equity loan/line of credit is paid off during the first 12 months, the credit union-paid closing costs will be added to the loan payoff amount. Shorter and longer terms may be available, rates may vary. Application deadline is October 31, 2026. Offer subject to change without notice.

APR = Annual Percentage Rate.

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 6.25% for 30 years, the estimated principal and interest payment would be $1,848.24. 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 October 31, 2026. Offer subject to change without notice. Contact Heritage Grove for more details.

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.