Loan & Deposit Promotions – May 2025
Heritage Grove runs a variety of promotions throughout the year. This month, we are running an auto refinance, home equity loan, mortgage and two certificate deposit specials. If you have any questions, please call/text us at 503.588.0211 or email creditunion@ourgrovecu.com. We are here to help!
Auto Refinance
Put the brakes on high rates!
Heritage Grove is here to help you this season with auto loan refinance options that will breathe new life into your savings. Out with the old & in with the new – pick one of the two options and roll into summer refreshed!
- Move your auto loan to Heritage Grove and receive 1% cash back up to $5001
OR
- Refinance your auto loan and receive 0.50% off the rate you qualify for¹, with rates starting as low as 5.99% APR² for up to 72 months
Help your savings grow or lower your monthly payment today! Apply online, on our mobile app, or call/text us at 503.588.0211 to speak with a Member Service Representative.
Mortgage
Fresh starts begin at home – with our incredible 30-year mortgage rate special! Refinance or purchase now and enjoy 6.25% APR² for 30 years³ and feel the season of renewal all year long.
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
Turn Your Equity Into Possibility – Renovate, Consolidate, or Celebrate this May!
Tap into your home’s value and bloom into financial freedom with Home Equity Loan rates starting as low as 5.99% APR² for 84 months⁴.
If you need more flexibility, we have a Home Equity Line of Credit (HELOC) that allows you to borrow when you need funds and 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
Let Your Money Grow Like May Flowers!
Our CD specials are safe, smart and blooming with interest this May. For a limited time, we are offering:
| Term | Deposit Tiers | Annual Percentage Yield⁵ |
|---|---|---|
| 9 Month | $1,000 – $19,999.99 $20,000 – $99,999.99 $100,000 + | 3.50% 3.75% 4.00% |
| 14 Month | $1,000 – $19,999.99 $20,000 – $99,999.99 $100,000 + | 3.64% 3.89% 4.14% |
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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Existing Heritage Grove auto loans and new loans already contracted to Heritage Grove, are not eligible for this promotion. Minimum loan amount is $5,000. Direct financing only. This promotion is for the selection of one of the two options, either the cash back rebate or the 0.50% discount rate, not both. The 1% cash back rebate (up to $500) is based on the loan amount financed. If the loan pays off within the first twelve (12) months, the rebate will be added to the loan payoff amount. Current auto rates range from 5.99% to 18.00% APR. These rates do not include a 0.50% discount. Payment example: On a $20,000 auto loan at 5.99% APR for 72 months, you would make 72 payments of $331.45. The Annual Percentage Rate (APR) you receive is based on your credit rating and loan term. You will be provided the rate for which you qualify if your loan is approved. Offer subject to change without notice. Application deadline is May 31, 2025.
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 $1,847.47. 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 May 31, 2025. 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.