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Auto Loans, Home Loans, Promotion |

Auto Refinance and Home Equity Promotions – May 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 May, we are running an auto refinance promotion and a home equity loan promotion. 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 receive 0.50% off the rate you qualify for, with rates starting as low as 2.49% APR* for up to 72 months. We offer some of the lowest rates in the area with terms up to 84 months. Refinancing your auto is quick and easy. Go to our Auto Loans page for more information and to apply online. Questions? Call/text AUTO to 503-588-0211 Monday through Friday, 8:30 a.m. to 5:00 p.m. Offer expires May 31, 2022.

Home Refinance

Did you miss the opportunity to refinance? There’s still time! Take advantage of our low home equity rates starting as low as 3.99% APR** for 15 years. For a limited time, when you move your mortgage or home equity loan to Heritage Grove, you’ll receive $500 towards closing costs. Save thousands of dollars in interest charges and pay no application or origination fees. We’ve helped many members eliminate their mortgage insurance, lower their interest rate, or reduce their monthly payment.Click here for details or to apply online.

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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Existing Heritage Grove auto loans are not eligible for this promotion. Minimum loan amount is $5,000. Direct financing only. Rates starting as low as 2.49% APR include the 0.50% discount. Loan based on approved credit. Offer subject to change without notice. Application deadline is May 31, 2022.


APR = Annual Percentage Rate. This promotion applies to new Heritage Grove home equity loans only. Minimum loan amount is $25,000; maximum loan amount is $250,000. Current Home Equity Loan APR is between 3.49% and 13.99% based on loan term and credit profile. Home equity loan terms range from seven to 20 years. Maximum home equity loan APR is 18.00%, primary residence only. This promotion requires that Heritage Grove be in the first lien position only. 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. Payment Example: For a $25,000 loan with a term of 120 months and a 3.24% APR, the monthly payment will be $244.18. (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. Offer expires May 31, 2022. Offer subject to change without notice.