We will be closed Monday, November 11th in observance of Veterans Day.
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Services

We help you help others.

Of course we’re here to help you and your family aim for financial success. But we also want to help your employees if you’re a business owner. Through our Orchard program, you can offer a number of great benefits to your employees and your customers, including the ability to extend your own business credit through Orchard lending solutions.

You can also make some serious money by referring people you know to join the credit union through our Refer A Friend program, which is also a great deal for them. Member Rewards points on purchases can be a great way to get additional value out of your Heritage Grove-issued debit or credit card. Or, why not reward yourself with our Cash Back program when you use our Cash-Back VISA® Credit Card?

three friends smile at the camera, knowing their whole lives are ahead of them

An employee benefits program

With deep roots in our community, Heritage Grove is committed to providing solid financial resources and programs that empower anyone who lives or works in Benton, Clackamas, Marion, Multnomah, Polk, Washington and Yamhill counties. That’s why we’ve created a special program that benefits area businesses and their employees. We call it Orchard, in which forward-thinking employers can create or strengthen a culture where employees can thrive, with easy access to financial resources and education.

What can you get through Orchard?

  • Free onsite seminars and workshops
  • A $50 Deposit after 10 debit transactions*
  • Free checking and debit card
  • Free services including Mobile Banking, Online Banking, Bill Payer, and e-Statements
  • Great loan rates on autos, RVs, VISA® Credit Cards, personal loans, home equity products and mortgage products
  • Great savings rates
Contact Member Services to get started
Cash Back Program

Let your purchases work for you.

If you use your credit card regularly, switch to our Cash-Back VISA® Credit Card instead and start making some cash. You’ll earn 1.00% to 1.50% cash back on every purchase¹, depending on how many accounts you have with Heritage Grove. The cash deposited directly to your Heritage Grove savings account each month will be based on all purchases made the prior calendar month. There’s no annual fee or limits, so you can earn as much cash back as you like.

You must specifically request to opt-in to the Cash-Back VISA® Credit Card program¹. Contact us to make the switch. You can change your card program once a year (Cash Back, Member Rewards or No Rewards Program).

How cash back works

Products Used % Cash Back
Heritage Grove Credit Card 1.00% cash back
Heritage Grove Credit Card + other Heritage Grove Loan 1.25% cash back
Heritage Grove Credit Card² + Heritage Grove Checking (Choice or boom Debit) 1.50% cash back

Read the Cash-Back Program Terms and Conditions

Enroll in Cash Back Program

If you're not a member and you'd like to enjoy the Heritage Grove difference, call 503-588-0211 to join today. You can also join online.
The rates quoted on this website are accurate as of [current_date] and are subject to change without notice. The minimum balance required to obtain the advertised APY on an ownership share (savings) account is $100.00. Dividends are compounded and credited monthly based on the average daily balance in your account. If your average daily balance falls below the minimum for that dividend period, you will not earn any dividends during that period. Variable share deposit rates may change after account is opened. Fees could reduce the earnings on any account.
*

APY = Annual Percentage Yield. The debit account must be opened within 90 days of the Orchard presentation. A $5 minimum deposit is required to open an ownership share (savings) account. A $25 minimum deposit is required to open a Choice Checking account; a $0 minimum deposit is required to open a boom Debit account. Ten (10) debit transactions are required to receive a $50 deposit to your account. A $50 deposit will be made to your account when the ten (10) debit transactions have been processed. No minimum balance is required to obtain the bonus. If the debit account is closed within 12 months of the account being opened, the $50 one-time Deposit will be collected at the time of account closure.

**

APR=Annual Percentage Rate. The APR provided is based on your customers’ credit profiles. Available rates range from 11.99% to 18.00 % APR. For example, on a $5,000 loan at 11.99% for 36 months, you would make 36 payments of $166.05. Heritage Grove Federal Credit Union membership is required. Borrower must live, work, worship or go to school in Marion, Polk or Yamhill counties or have an immediate relative (spouse, child, sibling, parent, grandparent, grandchild, stepchild, stepsibling or stepparent) who lives, works, worships or goes to school in Benton, Clackamas, Marion, Multnomah, Polk, Washington or Yamhill counties. Program, rates and terms subject to change without notice.

***

A $5 minimum deposit is required to open an ownership share (savings) account. A $25 minimum deposit is required to open a Choice Checking account or funds a real estate loan; a $0 minimum deposit is required to open a boom Debit account. No minimum balance is required to obtain the bonus. A $25 deposit will be made to your account when the member you referred opens a share savings and checking account or funds a real estate loan. If the referred member closes their account within six months of the account being opened, the $25 one-time Deposit will be collected at the time of account closure.

¹

The Cash-Back VISA® Credit Card program requires members be enrolled in Online Banking and e-Statements. If you currently have a Heritage Grove Member Rewards VISA® Credit Card, your points will be forfeited when you opt to switch to the Cash-Back VISA® Credit Card. Offer subject to change without notice. Members who sign up for our Cash-Back VISA® Credit Card Program, but who do not have other Heritage Grove loan or checking products, will earn 1.00% cash back on all purchases made during a calendar month. Members who sign up for our Cash-Back VISA® Credit Card Program who also have a second Heritage Grove loan product will earn 1.25% cash back on all purchases. Members who sign up for our Cash-Back VISA® Credit Card Program who also have an active Heritage Grove Checking Account will earn 1.50% cash back on purchases. Click here for the program terms and conditions.

²

Does not require a balance.