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Home Loans, Promotion, VISA Credit Card |

Visa Credit Card and Home Equity Promotions – April 2021

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 April, we are running a Visa credit card balance transfer promotion, and a home equity line of credit promotion. If you have any questions, please call us at 503-588-0211. We are here to help.

Visa Credit Card Balance Transfer*
If you have other credit card debts, move your balances to Heritage Grove and pay no (zero) balance transfer fee. Not paying a balance transfer fee saves you three to five percent of the balance transfer dollar amount. You’ll receive a balance transfer interest rate starting as low as 2.99% introductory APR for up to 12 billing cycles, then the APR will be 9.90% to 18.00% (variable) based on your credit history.

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

Refinance Your Mortgage

Now is a great time to refinance or renovate your home while rates are at historical lows. We offer purchase and refinance mortgages including conventional and government financing (FHA, VA, USDA). We’ve helped many members eliminate their mortgage insurance, lower their interest rate, or reduce their monthly payment.

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.

Home Equity Loans/Lines of Credit

If you would like to pay off higher-rate loans, credit card debt or complete home improvement projects, a home equity loan or line of credit is a great option for refinancing that debt to a lower rate or making that dream kitchen a reality. Our flexible Multi-Lock Home Equity Line of Credit 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.

Apply online, call or text Elena at 503-485-4378 or Melody at 503-485-4366.

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General questions? Call 503-588-0211 Monday through Friday, 8:30 a.m. to 5:00 p.m.

General questions? Call 503-588-0211 Monday through Friday, 8:30 a.m. to 5:00 p.m.

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.

Balance transfers from other Heritage Grove credit cards and loans are not eligible for this promotion. Offer subject to credit approval. Balance transfers are treated as cash advances. Interest accrual applies. Offer subject to change without notice. Offer expires April 30, 2021.


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 April 30, 2021. Offer subject to change without notice.