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. Current auto rates range from 4.99% to 18.00% APR. These rates do not include a 0.250% discount. Payment example: On a $20,000 auto loan at 4.99% APR for 72 months, you would make 72 payments of $322.01. 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 July 31, 2026.

This promotion applies to new Heritage Grove Home Equity fixed rate products. Minimum loan amount is $10,000. Current Home Equity Loan APR is between 5.99% and 17.99%. These rates do not include a 0.250% discount. This promotion is for Home Equity Loan terms 7 to 10 years and 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 with 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 $410 to $1,250. 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.) Shorter and longer terms may be available, rates may vary. Application deadline is July 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 6.00% 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 August 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.