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Certificates, Promotion |

Home Equity Loan and Share Certificate Promotions – September 2023

Heritage Grove runs a variety of loan and deposit promotions throughout the year. During the month of August, we are running a home equity loan and a share certificate (CD) promotion. If you have any questions, please call us at 503-588-0211. We are here to help. 

Home Equity Loan

Whether you’re doing projects around the house, consolidating some debt, or taking a family vacation, a home equity loan can be a great option to pay for it. We have fixed home equity rates starting as low as 6.99% APR for 84 months.*

If you need more flexible home equity options, we have a Multi-Lock Home Equity Line of Credit (HELOC) which allows you to borrow when you need the funds, and choose a variable or a locked rate as the market and your needs change. No application fee; no origination fee.

At Heritage Grove, it is our goal to find the best home loan to fit your needs. Call or text Elena at 503-485-4378 to answer any questions and to get the loan process started.

Auto Refinance

Move your auto loan to Heritage Grove and make no payments for 90 days—and get an interest rate as low as 6.74% up to for 72 months.**

Questions? Call/text AUTO to 503-588-0211 Monday through Friday, 8:00 a.m. to 5:00 p.m.

Certificate Specials

Want to jump start your savings? We are offering three certificate specials including:

TermDeposit TiersAnnual Percentage Yield***
9 Month$1,000 – $19,999.99
$20,000 – $99,999.99
$100,000 +
13 Month$1,000 – $19,999.99
$20,000 – $99,999.99
$100,000 +

For additional information and to set up a certificate, call 503-588-0211 Monday through Friday, 8:00 a.m. to 5:00 p.m. For additional certificate rates and terms, visit 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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We're Heritage Grove Federal Credit Union. We're here to help you stand tall, to offer great solutions and sound financial advice. We want to help you achieve your financial goals, and we look forward to serving you. Call us at 503-588-0211 or 1-877-695-8321 with questions, any time!

APR = Annual Percentage Rate. This promotion applies to new Heritage Grove Home Equity Loans only. Minimum loan amount is $10,000. Current Home Equity Loan APR is between 6.99% and 16.49% based on loan term and credit profile. Maximum home equity loan APR is 18.00%, primary residence only. Home Equity Loan terms range from seven to 20 years. This promotion requires that Heritage Grove be in the first lien position only. 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 $389 to $1,214. 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 6.99% APR, the monthly payment will be $377.19. (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 September 30, 2023. Offer subject to change without notice.


APR = Annual Percentage Rate. Existing Heritage Grove auto loans are not eligible for this promotion. Minimum loan amount is $5,000. Direct financing only. The auto refinance special rates range from 6.74% to 18.00% APR. Payment example: On a $20,000 auto loan at 6.74% APR for 72 months, you would make 72 payments of $338.49. Loan based on approved credit. Offer subject to change without notice. Application deadline is September 30, 2023.


APY = Annual Percentage Yield. Rates subject to change without notice.