Loan & Deposit Promotions – January 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.
GroveUp Savings
This year, commit to taking care of future you. Open a GroveUp Savings¹ and use Pay Yourself First to tuck away a little from each payday direct deposit.
It’s a simple resolution with big impact – especially with our best rate on your first $2,000. Ready to put your savings first? Open a GroveUp Savings today!
Click here to learn more about GroveUp. Questions? Call/text 503.588.0211 or email creditunion@ourgrovecu.com.
Visa Credit Card Balance Transfer
Start the year with a smarter balance.
Make reducing high-interest debt part of your New Year plan. A balance transfer can help you simplify payments and save on interest.
Transfer your balance to your Heritage Grove VISA Credit Card and enjoy:
- Introductory balance transfer rates as low as 7.99% APR² for 12 months³
- No balance transfer fees
- One easy monthly payment
Make this the year your money works harder for you. Transfer your balances and start fresh 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 – activated!
Kick off the new year by refinancing or buying your home with 6.25% APR³ for 30 years⁴ with our 30-year mortgage rate special. Take control of your finances, reach your goals, and start the year on the right track.
Questions? 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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APY = Annual Percentage Yield. GroveUp APY subject to change. Only one GroveUp Account per member. GroveUp requires online account opening, e-Statements and digital banking registration. See Truth In Savings Disclosure for full details.
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 13.65% – 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 January 31, 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 6.25% for 30 years, the estimated principal and interest payment would be $1,847.81. 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 January 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.