Spring Into Savings with Home Equity
Apply for a Home Equity Loan or HELOC this spring and receive up to $500 toward closing costs*, with no application or origination fees.
Choose fixed rates as low as 5.99% APR* for 84 months or enjoy flexible borrowing with a HELOC.
Questions? Speak with a Real Estate Specialist for more details. Call/text us at 503.588.0211 or email creditunion@ourgrovecu.com.
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Featured Rates
We're here and on the go.
Whether you're out on the town or enjoying the home life, you can always access your Heritage Grove accounts online and with our mobile app. Download and set up your access today!
It might be definitely is time.
We’re here to help you find that new or new-to-you car and to finance it with an auto loan with some of the lowest rates in the area and flexible terms up to 84 months.
It’s time to move in with us.
Move your home loan to Heritage Grove and take advantage of our low home equity rates starting as low as 5.99% APR¹. Save thousands of dollars in interest charges and pay no application or origination fees.
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APR = Annual percentage rate. This promotion applies to new Heritage Grove Home Equity Loans and Lines of Credit only. Minimum loan amount is $25,000. Current Home Equity Loan APR is between 5.99% and 17.99% and Home Equity Line of Credit (HELOC) APR is between 7.49% and 11.49% based on loan term and credit profile. Maximum home equity loan APR is 18.00%. Primary Residence only. Home Equity Loan terms range from 7 to 20 years. This promotion requires that Heritage Grove be in the first or second lien position only. The interest rate will be 0.50% higher in the second lien position. 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 $405 to $1,230. Any non-standard title expenses will be paid by the applicant(s). Maximum loan-to-value (LTV) is 80%. Payment Example: For a $25,000 loan with a term of 84 months and a 5.99% APR, the monthly payment will be $365.06. (This payment does not include amounts for taxes and insurance premiums. The total payment will be higher if these items are applicable.) If the home equity loan/line of credit is paid off during the first 12 months, the credit union-paid closing costs will be added to the loan payoff amount. Shorter and longer terms may be available, rates may vary. Application deadline is April 30, 2026. Offer subject to change without notice.
APR – Annual Percentage Rate. Home equity loan APRs range from 5.99% to 17.99% APR. Rates current as of March 01, 2026 and subject to change. Payment example: On a $25,000 loan at 5.99% APR for 84 months, the monthly payment will be $365.23.
APR = Annual Percentage Rate. Current auto rates range from 4.99% to 18.00% APR. Payment example: On a $20,000 auto loan at 4.99% APR for 72 months, you would make 72 payments of $322.01. Loan based on approved credit. Rates subject to change without notice. See Rates for full details.
APR=Annual Percentage Rate. See Rates for full details.
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.