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Auto Loans, HELOC, Home Loans, Mortgages, Promotion |

Auto Refinance and Mortgage Refinance Promotions – January 2022

Heritage Grove runs a variety of loan promotions throughout the year. If you have any type of loan, it pays to compare interest rates and loan terms.

During the month of January, we are running an auto refinance promotion benefiting The Northwest Hub’s Frame Up Program and two real estate loan promotions. If you have any questions, please call us at 503-588-0211. We are here to help.

Auto Refinance*

Move your auto loan to Heritage Grove and we’ll donate $125 to The Northwest Hub’s Frame Up young adult program.

The Northwest Hub is a not-for-profit, full-service bicycle shop, bike reclamation program and training center. Proceeds from the cycling center directly serve neighbors in need of transportation who “purchase” a bike through service to the community. Volunteers help reclaim bicycles that would otherwise be scrapped or end up in the landfill.

The Northwest Hub offers Frame Up, a ten-month program set up to teach young adults (ages 18-23) work skills, life skills, confidence, emotional wellbeing, communication and more. To teach these skills, Frame Up integrates trauma-based counseling, mentorship, and community/team building through group cooking and meals, trips, volunteering, activities, workshops, transitional employment centered in their bicycle shop, and community programs such as their Farm Worker Support Program and bicycle distribution programs. For additional information, go to Frameup.org.

Apply online today or call or text AUTO to 503-588-0211.

Mortgage Refinance

We are offering two real estate promotions this month.

Move your real estate loan (mortgage, home equity) to Heritage Grove and receive $500 towards closing costs.

The second real estate promotion is our flexible Multi-Lock Home Equity Line of Credit (HELOC). Our HELOC allows you to borrow when you need the funds, and choose a variable or a locked rate as the market and your needs change. We are offering rates starting as low as 1.99% introductory APR*** for six billing cycles, then the APR will be 3.99% to 7.99% (variable) based on your credit worthiness. 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 or Melody at 503-485-4366 to answer any questions and to get the loan process started.

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.
*

Existing Heritage Grove auto loans are not eligible for this promotion. Minimum loan amount is $5,000. Direct financing only. If the loan pays off within the first twelve (12) months, the cost of the donation will be added to the loan payoff amount. Loan based on approved credit. Offer subject to change without notice. Application deadline is January 31, 2022.

**

This promotion applies to new Heritage Grove mortgage and home equity loans only. Minimum loan amount is $25,000; maximum loan amount is $250,000. Estimated third-party fees (closing costs) range from $332 to $1,480. If an appraisal is required, the cost will be paid by the applicant(s). Maximum loan-to-value (LTV) is 80% to 90%, depending on credit rating and term selected. The loan amount and Annual Percentage Rate you receive is based on your credit rating, loan-to-value of property and loan term. You will be provided the loan amount and rate for which you qualify when your loan is approved. Offer subject to change without notice. Offer expires January 31, 2022.

***

APR = Annual Percentage Rate This promotion applies to new Heritage Grove home equity lines of credit (HELOC) only. Minimum loan amount is $20,000; maximum loan amount is $250,000. Promotion introductory rate is either 1.99% or 3.99% APR for six billing cycles, based on credit profile. After six billing cycles, your rate will assume the HELOC rate you qualify for at the time of application which is between 3.99% and 7.99% based on credit profile. Maximum HELOC APR is 18.00%, primary residence 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 $332 to $1,480. Any non-standard title expenses will be paid by the applicant(s). Maximum loan-to-value (LTV) is 80% to 90%, depending on credit rating and term selected. Offer expires January 31, 2022. Offer subject to change without notice.