Heritage Grove is a not-for-profit financial cooperative, so we pass profits on to our member-owners in the form of higher yields on deposits and lower rates on loans.
We also are completely transparent about our rates, so you know exactly what options you have when you finance with us.
If you’re looking for account or service fees, check out our Fee Schedule.
|Ownership Shares: Balances $100 or more||0.100%||0.100%|
|First-Time Home-Buyer Savings: Balances $100 or more||0.050%||0.050%|
|Dividends are paid monthly and calculated on average daily balance.|
APY = Annual Percentage Yield. The minimum balance required to obtain the advertised APY on an ownership share (savings) account is $100. Dividends are paid monthly and calculated on average daily balance. Fees could reduce the earnings on any account. Rates subject to change.
|Type of Loan||% over Index||Annual Percentage Rate
(as low as)
|New Automobile¹ ²||6.74%|
|Used Automobile¹ ²||7.24%|
|New RV¹ ³||8.25%|
|Used RV¹ ³||8.75%|
The Annual Percentage Rate (APR) you receive for the fixed rate sub-accounts may be as low as the rate listed above. Your actual rate is based on your credit rating, term requested, vehicle age, mileage, and loan to value. Rate above includes all available discounts. You will be provided the rate for which you qualify when your loan is approved.
New Auto loan APRs range from 6.74% to 18.00% APR; Used Auto loan APRs range from 7.24% to 18.00% APR. Rates current as of October 01, 2023 and subject to change. Payment example: On a $20,000 auto loan at 6.49% APR for 72 months, you would make 72 payments of $336.10.
New RV loan APRs range from 8.25% to 18.00% APR; Used RV loan APRs range from 8.75% to 18.00% APR. Rates current as of October 01, 2023 and subject to change. Payment example: On a $25,000 RV loan at 9.25% APR for 72 months, you would make 72 payments of $453.75.