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: 3.25%, MMA: 2.75%

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Heritage Grove Federal Credit Union

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Heritage Grove Federal Credit Union Rates & Review October 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: October 9, 2026

Heritage Grove Federal Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 9 Month CD Special, 3.25% APY on savings, 2.75% APY on money market accounts, personal loans from 11.25% APR, and credit cards from 13.65% APR, according to rates verified by MonitorBankRates. Other Heritage Grove Federal Credit Union CD rates include 9 Month CD Special at 3.75%, 9 Month CD Special at 3.50%, and 60 Month CD at 2.50%. 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 5.80%. Rates last updated and verified on 10/09/2026.

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 Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.80%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Heritage Grove Federal Credit Union
Heritage Grove FCU - 631 Winter St

631 Winter St NE
Salem, OR 97301

https://www.ourgrovecu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Heritage Grove Federal Credit Union CD Rates

Product	Rate	APY	Term
9 Month Certificate Special	-	4.00%	9-Month
Min Balance $100,000 Details Balance: $100,000 +; Dividends are paid monthly and calculated on average daily balance. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50% Oct 5, 20264.00%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
9 Month Certificate Special	-	3.75%	9-Month
Min Balance $20,000 Details Balance: $20,000 - $99,999.99; Dividends are paid monthly and calculated on average daily balance. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25% Oct 5, 20263.75%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
9 Month Certificate Special	-	3.50%	9-Month
Min Balance $1,000 Details Balance: $1,000 - $19,999.99; Dividends are paid monthly and calculated on average daily balance. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Oct 5, 20263.50%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
60 Month Share Certificate	-	2.50%	60 Months
Min Balance $1,000 Details Dividends are paid monthly and calculated on average daily balance. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
48 Month Share Certificate	-	2.40%	48 Months
Min Balance $1,000 Details Dividends are paid monthly and calculated on average daily balance. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
36 Month Share Certificate	-	2.30%	36 Months
Min Balance $1,000 Details Dividends are paid monthly and calculated on average daily balance. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
12 Month Share Certificate	-	2.25%	12 Months
Min Balance $1,000 Details Dividends are paid monthly and calculated on average daily balance. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
24 Month Share Certificate	-	2.20%	24 Months
Min Balance $1,000 Details Dividends are paid monthly and calculated on average daily balance. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
18 Month Share Certificate	-	2.10%	18 Months
Min Balance $1,000 Details Dividends are paid monthly and calculated on average daily balance. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
6 Month Share Certificate	-	1.95%	6 Months
Min Balance $1,000 Details Dividends are paid monthly and calculated on average daily balance. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%

Heritage Grove Federal Credit Union Savings Rates

Product	Rate	APY
GroveUp Savings	3.198%	3.25%
Min Balance $0 Details Balance: $0 - $2,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
GroveUp Savings	1.98%	3.25%
Min Balance $2,000 Details Published APY range: 3.25% - 2.25%. Balance: $2,000.01 - $10,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Primary Savings	0.10%	0.10%
Min Balance $100 Details Balances $100 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Youth Savings	0.10%	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
First-Time Home-Buyer Savings	0.05%	0.05%
Min Balance $100 Details Balances $100 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Goal Saver	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%

Heritage Grove Federal Credit Union Money Market Rates

Product	Rate	APY
Premium Money Market	2.713%	2.75%
Min Balance $100,000 Details Balance: $100,000 and above; Dividends are paid monthly and calculated on average daily balance. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Money Market	0.995%	1.00%
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Money Market	0.747%	0.75%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Premium Money Market	0.648%	0.65%
Min Balance $10,000 Details Balance: $10,000 - $99,999.99; Dividends are paid monthly and calculated on average daily balance. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Money Market	0.598%	0.60%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Money Market	0.449%	0.45%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Money Market	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Premium Money Market	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $9,999.99; Dividends are paid monthly and calculated on average daily balance. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%

Heritage Grove Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Loan	-	-	5.99%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Home Equity Line of Credit (HELOC)	-	-	7.74%
Details APR - Annual Percentage Rate. Home Equity Line of Credit (HELOC) APRs range from 7.74% to 11.74% APR. 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 $405 to $4,500. No annual fee. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%

Heritage Grove Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto	-	-	4.99%
Details 1 2 3 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Used Auto	-	-	5.24%
Details New Auto loan APRs range from 4.99% to 17.49% APR. Used Auto loan APRs range from 5.24% to 17.69% APR. Older Auto loan APRs range from 6.49% to 18.00% APR. Rates current as of November 10, 2025, and subject to change. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Used Auto	-	-	5.49%
Details 1 2 3 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Older Auto	-	-	6.49%
Details 1 2 3 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%

Heritage Grove Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Boat Loan	-	7.04%
Details 1 2 5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.04% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
New RV Loan	-	7.04%
Details 1 2 4 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.04% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Used Boat Loan	-	7.54%
Details 1 2 5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.54% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Used RV Loan	-	7.54%
Details 1 2 4 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.54% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Older Boat Loan	-	8.54%
Details 1 2 5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.54% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Older RV Loan	-	8.54%
Details 1 2 4 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.54% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
New Motorcycle Loan	-	8.79%
Details 1 2 6 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.79% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Used Motorcycle Loan	-	9.79%
Details 1 2 6 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.79% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%

Heritage Grove Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Cards	-	13.65%
Details Published APR range: 13.65%-18.00%. variable Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 13.40% → 13.65% ▲ 0.25 pts · high 13.65% / low 13.40% Oct 9, 202613.65%▲ from 13.40% Sep 14, 202613.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%

Heritage Grove Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Line of Credit Variable Rate	11.25%
Details 1 Rate: 4.25% - 14.75% over Index Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.00% → 11.25% ▲ 0.25 pts · high 11.25% / low 11.00% Oct 5, 202611.25%▲ from 11.00% Sep 14, 202611.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%
Personal Unsecured Loan	11.99%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.80%

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.

Financial Health History

Heritage Grove Federal Credit Union’s Texas Ratio stayed near 5.81% in Q3 2023 to 5.80% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$167M	5.80%	5.0	A+
March 31, 2026	$166M	5.96%	5.0	A+
December 31, 2025	$164M	7.07%	5.0	A
September 30, 2025	$163M	6.88%	5.0	A
June 30, 2025	$162M	6.00%	5.0	A
March 31, 2025	$163M	6.07%	5.0	A
December 31, 2024	$153M	6.60%	5.0	A
September 30, 2024	$153M	6.28%	5.0	A
June 30, 2024	$152M	7.31%	5.0	A
March 31, 2024	$152M	7.61%	5.0	A
December 31, 2023	$148M	6.48%	5.0	A
September 30, 2023	$156M	5.81%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 30

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

5.80%

Return on Assets (ROA)

0.3254%

Return on Equity (ROE)

2.7429%

Non-Performing Loans Ratio (NPL)

1.17%

Total Assets

167,160,738

Total Amount of Shares and Deposits

146,861,116

Total Shares and Deposits < 1 Year

145,676,365

Total Shares and Deposits 1 3 Years

1,071,457

Total Shares and Deposits > 3 Years

113,294

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

5,913,420

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

5,913,420

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

140,947,696

Total Interest Expense (Sum of items 6 8)

769,779

Share Certificates

844

Number of Accounts for Share Drafts

5,775

IRA KEOGH Accounts

257

Number of Accounts for Regular Shares

9,815

All other shares

Money Market Shares

383

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)

17,432,899

Total Liabilities

147,327,767

Source: NCUA — Last Updated 06/30/2026

Q2 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.