Back to Salem credit unions

Heritage Grove

PO Box 2227, Salem, OR 97309
NCUA Insured3.8 (57 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1964

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 2227

Salem, OR 97309

Service Area

This credit union is located in Salem and serves members in the OR area. Currently serving 8,422 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.81%

Used Auto Loan

6.37%

Personal Loan

11.66%

Credit Card APR

14.96%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in OR

Lowest rates currently reported by credit unions in OR (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

3.8

57 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Tim and Angie Borregard

Tim and Angie Borregard

a year ago

Excellent Credit Union. Excellent staff. Always eager to help and take care of any situation. We had fraud happen to us via good ole social media and a separate online fraudulent experience and they were fast and efficient. Took care of the problem immediately. Have gotten loans that were smooth and simple and great rates. My adult children also have had excellent service with their accounts and car and business loans as well. I highly recommend this bank! I do wish they were open on Saturdays though :-)

Angela Berry

Angela Berry

11 months ago

I've been a member here for about 12 years, and they've always been great to me. Every year I go to a festival I California, and the festival often has instances of card theft or fraud charges due to how they run it and the last few years, their pos services have made this weird mistake where someone's card would pickup the transactions in the nearby area, meaning I ended up getting charged the exact same amount like 8 times at once while there. The fraud department has been able to get the duplicate charges reversed each time and has been so helpful and kind about it. They have helped my parents and I open inheritance accounts for my kids when other banks made it difficult, and have always been on the ball about contacting me when there's something wrong or suspicious with my account. The interest rate on my Credit line is better than any other bank despite me have a low/average credit score, and they're (almost) always really patient and polite with customer service.

Jason Maddy

Jason Maddy

a year ago

This credit union has drastically gone down hill over the years. Serious lack of customer service and follow through. When you go in, it feels like you're bothering them. Common sense underwriting for lending products is also gone. You used to be able to chat with the lending team but now you're just a number to them. Even sent them a message through their own online app and they never responded. Been a member for years but don't think we will be staying much longer.

Kustom Kutz Clothing

Kustom Kutz Clothing

2 months ago

I've had bank accounts at this bank for about 20 years now and they've been really good to me I highly recommend this Bank

Miss Niksa

Miss Niksa

2 years ago

Reported a $3000 fraud, they closed my account, then they tried to make me responsible for a fraud purchase & deposits. Supposedly get fraud protection. Guess they lied about that too. Never had this issue when it was Oregon employees credit union. They absolutely refused to work with me, blamed me for the fraud that occured. Worst bank ever. Refused to resolve then sent it to collections. Closing my account caused me to lose income. And of course i'll never see that. And likely still be blamed for the fraud. The fraud dept people were absolutely rude, wouldnt let me talk, she talked over me. Forced to get a boom account, an account i needed for work. Only ever got one phone call back, still met with the rudeness. And was never told that my account was going to be closed nothing.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).