What are the current interest rates at Heritage Grove Federal Credit Union?

Current rates for Heritage Grove Federal Credit Union include: 12-Month CD: 2.25%, 18-Month CD: 2.10%, 24-Month CD: 2.20%, 60-Month CD: 2.50%, Savings: 0.05%, MMA: 0.10%

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Heritage Grove Federal Credit Union

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Heritage Grove Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Heritage Grove Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Heritage Grove Federal Credit Union's 9-Month Special rates are at 3.50%, 9-Month Special rates are at 3.25%, 9-Month Special rates are at 3.00%, 60 month rates are at 2.50%, 48 month rates are at 2.40%. Heritage Grove Federal Credit Union's savings rates are at 0.05%. Heritage Grove Federal Credit Union's money market rates are at 0.10%. Heritage Grove Federal Credit Union's Personal Loan Rates are at 11.00%. MonitorBankRates evaluates the financial stability of Heritage Grove Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.88%. Rates last updated and verified on 08/28/2026.

Heritage Grove Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Heritage Grove Federal Credit Union? Share your experience about Heritage Grove Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Heritage Grove Federal Credit Union.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.88%

Excellent Higher than avg

Heritage Grove Federal Credit Union
Heritage Grove FCU 631 Winter St

631 Winter St NE
Salem, OR 97301

https://www.ourgrovecu.com

Heritage Grove Federal Credit Union CD Rates

Product	Rate	APY	Term
9-Month Special	-	3.50%	9-Month Special
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
9-Month Special	-	3.25%	9-Month Special
Min Balance $20,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
9-Month Special	-	3.00%	9-Month Special
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
60 month	-	2.50%	60 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
48 month	-	2.40%	48 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
36 month	-	2.30%	36 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
12 month	-	2.25%	12 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
24 month	-	2.20%	24 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
18 month	-	2.10%	18 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
6 month	-	1.95%	6 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%

Heritage Grove Federal Credit Union Savings Rates

Product	Rate	APY
GroveUp Savings	-	3.25%
Details GroveUp requires online account opening, e-Statements and digital banking registration. See Truth In Savings Disclosure for full details. Rates subject to change. Rates are current as of August 25, 2026. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Primary Savings	3.20%	3.25%
Min Balance $100 Details Dividends are paid monthly and calculated on average daily balance. Fees could reduce the earnings on any account. Rates subject to change. Rates are current as of August 25, 2026. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Primary Savings	2.50%	2.25%
Min Balance $10,000 Details Dividends are paid monthly and calculated on average daily balance. Fees could reduce the earnings on any account. Rates subject to change. Rates are current as of August 25, 2026. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Primary Savings	0.10%	1.25%
Min Balance $20,000 Details Dividends are paid monthly and calculated on average daily balance. Fees could reduce the earnings on any account. Rates subject to change. Rates are current as of August 25, 2026. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Primary Savings	0.10%	0.10%
Min Balance $100 Details Balances $100 or more Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Youth Savings	0.10%	0.10%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
First-Time Home-Buyer Savings	0.05%	0.05%
Min Balance $100 Details Balances $100 or more Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Goal Saver	0.05%	0.05%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%

Heritage Grove Federal Credit Union Money Market Rates

Product	Rate	APY
Premium Money Market	2.71%	2.75%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Money Market	1.00%	1.00%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Money Market	0.75%	0.75%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Premium Money Market	0.65%	0.65%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Money Market	0.60%	0.60%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Money Market	0.45%	0.45%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Money Market	0.10%	0.10%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Premium Money Market	0.10%	0.10%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%

Heritage Grove Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Loan	-	-	5.99%
Details 1 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Home Equity Line of Credit	-	-	7.49%
Details 2 0.74% to 4.74% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Home Equity Line of Credit (HELOC)	-	-	7.49%
Details Rate is variable. Maximum APR is 11.49%. Rates are 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%

Heritage Grove Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto	-	-	4.99%
Details As low as; 1 2 3 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Used Auto loan	-	-	5.24%
Details 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. Rates current as of November 10, 2025, and subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Used Auto	-	-	5.49%
Details As low as; 1 2 3 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Older Auto	-	-	6.49%
Details As low as; 1 2 3 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%

Heritage Grove Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Credit Card	-	13.40%
Details 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. Rate is variable. Rates current as of August 25, 2026 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 August 25, 2026. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
VISA Credit Cards	-	13.40%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%

Heritage Grove Federal Credit Union Personal Loan Rates

Product	Rate	APR
Personal line of credit	-	11.00%
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. Rate is variable. Rates current as of August 25, 2026 and subject to change. No cash advance or balance transfer fees. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Personal Line of Credit Variable Rate	-	11.00%
Details 1 Rate: 4.25% - 14.75% over Index Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%
Personal Unsecured Loan	-	11.99%
Details 1 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Heritage Grove Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Heritage Grove Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Heritage Grove Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Heritage Grove Federal Credit Union

Website https://www.ourgrovecu.com

Address 631 Winter St NE, Salem, OR 97301

Phone 503-588-0211

Fax 503-371-7323

President Scott Shearer

CEO James Mau

Full-Time Employees 31

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.88%

Return on Assets (ROA)

0.3588%

Return on Equity (ROE)

3.0598%

Non-Performing Loans Ratio (NPL)

1.34%

Total Assets

162,643,179

Total Amount of Shares and Deposits

143,076,776

Total Shares and Deposits < 1 Year

136,606,759

Total Shares and Deposits 1 3 Years

6,232,389

Total Shares and Deposits > 3 Years

237,628

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

5,175,115

Total Uninsured Shares and Deposits > $250K (F+J)

5,175,115

Total Insured Shares and Deposits > $250K (item 17 less item K)

137,901,661

Total Interest Expense (Sum of items 6 8)

1,201,556

Share Certificates

943

Number of Accounts for Share Drafts

5,811

IRA KEOGH Accounts

283

Number of Accounts for Regular Shares

9,947

All other shares

Money Market Shares

382

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

16,996,428

Total Liabilities

143,596,137

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Heritage Grove Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Heritage Grove Federal Credit Union

How many branches does Heritage Grove Federal Credit Union operate?

Heritage Grove Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Heritage Grove Federal Credit Union?

Yes, to access services at Heritage Grove Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Heritage Grove Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Heritage Grove Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Heritage Grove Federal Credit Union offer online and mobile banking?

Most modern institutions like Heritage Grove Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ourgrovecu.com.