Loans

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Current as of December 11, 2018.

Type of Loan % over Index Annual Percentage Rate
(as low as)
Consumer Loans (fixed rates)
New Automobile*/*** 4.24%
Used Automobile */*** 4.74%
New RV (trailers, 5th wheels, boats)* 5.74%
Used RV (trailers, 5th wheels, boats)* 5.99%
New ATV (ATV, dirt bike, snowmobile)* 4.99%
Used ATV (ATV, dirt bike, snowmobile)* 5.49%
Personal Unsecured* 8.99%

APR=Annual Percentage Rate.
Auto loan APRs range from 4.24% to 18.00% APR. Rates current as of December 11, 2018 and subject to change. Payment example: On a $20,000 auto loan at 3.75% APR for 72 months, you would make 72 payments of $310.63.

RV loan APRs range from 5.74% to 18.00% APR. Rates current as of December 11, 2018 and subject to change. Payment example: On a $25,000 RV loan at 5.00% APR for 72 months, you would make 72 payments of $402.62.

ATV loan APRs range from 4.99% to 17.95% APR. Rates current as of December 11, 2018 and subject to change. Payment example: On a $5,000 ATV loan at 5.50% APR for 48 months, you would make 48 payments of $116.28.

Personal loan APRs range from 8.99% to 18.00% APR. Rates current as of December 11, 2018 and subject to change. Payment example: On a $10,000 personal loan at 11.99% APR for 48 months, you would make 48 payments of $263.29.

Type of Loan % over Index Annual Percentage Rate
(as low as)
Consumer Loans (variable rates)
VISA® Credit Cards 11.90%-18.00% APR variable****
Personal Line of Credit Variable Rate** 4.25% - 13.25% 9.50%
Share Secured 4.00% 4.02%

Credit card APRs range from 11.90% to 18.00% APR. Rate is variable. Rates current as of December 11, 2018 and subject to change. 3% of the cash advance amount ($10 minimum). Balance transfer fee to transfer a balance to Heritage Grove is 0% as of December 11, 2018.

Personal line of credit (PLOC) APRs range from 9.50% to 18.00% APR. Rate is variable. Rates current as of December 11, 2018 and subject to change. No cash advance or balance transfer fees.

The Annual Percentage Rate (APR) for existing balances and new advances for share-secured advances will be determined by adding the amount shown above in the "% Over Index" column to the Index. The Index is the dividend rate being paid on regular shares. The rate is subject to change quarterly to reflect any change in the index. Any increase in the APR will take the form of more payments of the same amount.

Type of Loan % over Index Annual Percentage Rate
(as low as)
Home Loans
Mortgages Changes daily—call for rates
Home Equity Loan 4.49%
Home Equity Line of Credit** 0.74% to 4.74% 5.99% (variable)

APR – Annual Percentage Rate

Home equity loan APRs range from 4.49% to 13.99% APR. Rates current as of December 11, 2018 and subject to change. Payment example: On a $40,000 loan at 5.49% APR for 180 months, you would make 180 payments of $326.62.

Home equity line of credit (HELOC) APRs range from 5.99% to 9.99% APR. Rate is variable. Maximum APR is 9.99%. Rates current as of December 11, 2018 and subject to change. No cash advance or balance transfer fees. Estimated aggregate credit union and third party fees of $292 to $1,415. No annual fee.

*FOR FIXED RATE LOANS: 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.

** FOR VARIABLE RATE LOANS EXCEPT SHARE SECURED: The Annual Percentage Rate (APR) for existing balances and new balances will be determined by adding the amount shown above in the "% Above Index" column to the Index. The Index is the U.S. Prime Rate as published in the Wall Street Journal. The rates are subject to change monthly to reflect any change in the index. Any increase in the APR will take the form of more payments of the same amount.

*** FOR NEW AND USED AUTOMOBILE LOANS: The Annual Percentage Rate (APR) you receive for a new or used automobile loan may be as low as the rate listed.

****VISA® Credit Card rates and products are based on credit qualifications. You will be advised of the rate for which you qualify if your card is approved. Certain restrictions, limitations, and exclusions apply.

FOR VARIABLE RATE SHARE SECURED: The Annual Percentage Rate (APR) for existing balances and new advances for share-secured advances will be determined by adding the amount shown above in the "% Over Index" column to the Index. The Index is the dividend rate being paid on regular shares. The rate is subject to change quarterly to reflect any change in the index. Any increase in the APR will take the form of more payments of the same amount.

MINIMUM MONTHLY PAYMENT: The minimum monthly payment will never be less than $30.00. For line of credit loans, the minimum monthly payment will be established at the time of each advance. The minimum monthly payment will not be less than 3% of the loan balance, rounded to the nearest whole dollar.

CONSUMER LOAN LATE CHARGE: (non-real estate loans) If you are more than ten (10) days late, we may charge you five percent (5%) of the payment amount, with a minimum LATE CHARGE OF $25.00. There is no maximum LATE CHARGE amount.

COLLECTION COSTS: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs, reasonable attorney fees and the costs of any appeal by the credit union.

If you're not a member and you'd like to enjoy the Heritage Grove difference, we'd be happy to get you enrolled today. You can also enroll online.

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