APY = Annual Percentage Yield. The minimum balance required to obtain the advertised APY on a money market account and a premium money market account is $100. Dividends are paid monthly and calculated on average daily balance. Fees could reduce the earnings on any account. Rates are current as of December 21, 2024.

APY = Annual Percentage Yield. The minimum balance required to obtain the advertised APY on a Share Certificate account is $1,000. Dividends are paid upon the share certificate maturity. Fees could reduce the earnings on any account. Early withdrawal penalty will apply. Rates are current as of December 21, 2024.

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. Credit card APRs range from 14.40% to 18.00% APR. Rate is variable. Rates current as of December 21, 2024 and subject to change. Cash Advance fee is 3% of the cash advance amount ($10 minimum). Balance transfer fee to transfer a balance to Heritage Grove is $0 as of December 21, 2024.

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. Personal line of credit (PLOC) APRs range from 12.00% to 18.00% APR. Rate is variable. Rates current as of December 1, 2024 and subject to change. No cash advance or balance transfer fees.

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. 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.

APR – Annual Percentage Rate. Home equity loan APRs range from 7.49% to 16.49% APR. Rates current as of December 21, 2024 and subject to change. Payment example: On a $25,000 loan at 7.49% APR for 84 months, the monthly payment will be $383.33.

APR – Annual Percentage Rate. Home Equity Line of Credit (HELOC) APRs range from 8.49% to 12.49% APR. Rate is variable. Maximum APR is 12.49%. Rates current as of December 1, 2024, and subject to change. No cash advance or balance transfer fees. Estimated aggregate credit union and third-party fees of $332 to $4,500. No annual fee.