Heritage Grove Credit Union Salem OR | Best Auto Loans & Business Banking

Introduction

At Heritage Grove, we believe that strong communities are built on trust and support. Located at 631 Winter St Ne, Salem, OR 97301, our credit union has been serving members since 1964. With a dedication to providing personalized banking solutions, we're proud to be a pillar of financial stability for over 8,800 members in our community. While you can visit us at our branch for all your banking needs, please direct any official correspondence to our mailing address: PO Box 2227, Salem, OR 97309. With total assets exceeding $153 million and total deposits reaching $18,535,739, we are committed to helping our members achieve their financial goals. Our leadership team, headed by CEO James Mau and Board President Scott Shearer, is dedicated to maintaining the highest standards of service while ensuring that our community thrives. We offer a wide range of services including personal checking and savings accounts, auto loans, mortgage options, business banking solutions, and more. In fact, we've issued over 5,867 loans and leases to meet the diverse needs of our members. Whether you need assistance with online banking or want to explore loan options, our friendly staff is here to help. You can reach us at 503-588-0211 during our office hours from 9:00 a.m. to 5:30 p.m., Monday through Friday, or visit our website at ourgrovecu.com for more information. Join us at Heritage Grove where your financial future is in good hands!

Branch History & Mission

Looking Ahead

As we continue to evolve with the changing landscape of finance, we remain committed to upholding the values that have guided us since day one integrity, respect, and service excellence. Whether you're looking for straightforward banking or seeking advice on managing your finances, our team is here for you. Join us at Heritage Grove where your financial health matters. Experience firsthand how we can support your goals today! For inquiries or assistance, don't hesitate to call us at (503) 588-0211 or visit our website at Heritage Grove.

Mission Statement

At Heritage Grove, our mission is simple: to provide exceptional financial services while fostering community support. We believe that banking should be accessible to everyone. That's why we offer not only traditional banking services but also online and mobile banking options for convenience. Our drive-thru service ensures you can conduct basic transactions with ease, making your experience as smooth as possible. Additionally, we take pride in our partnerships within the community. By collaborating with local organizations and participating in outreach programs, we strive to make a positive impact on the lives of those around us. While members can visit us at 631 Winter St Ne Salem Or 97301, official correspondence should be sent to PO Box 2227, Salem, OR 97309 if needed.

Our Journey

From our location at 631 Winter St Ne, we have witnessed significant milestones that shaped our journey. Over the years, we have expanded our offerings and services to better meet the diverse needs of our community. We pride ourselves on being more than just a financial institution; we are your neighbors and partners in building a stronger future. Our commitment to innovation is evident in our range of services from personal banking solutions like checking and savings accounts to auto loans, mortgages, and business financing. We understand that every member's journey is unique, which is why we focus on providing tailored solutions that empower individuals and businesses alike.

Branch Location & Accessibility

Accessibility and Features

At Heritage Grove, we prioritize making banking easy and welcoming for everyone. Our branch is equipped with ADA-compliant features, including ramps for easy access. Parking is available on-site, ensuring you can come and go without hassle. For those who prefer to bank on-the-go, we offer an ATM right at our location, allowing quick access to cash whenever you need it. We also provide drive-thru banking services for added convenience. Whether you're making deposits or withdrawals, our drive-thru is designed to make your experience smoother. Just roll up and let us take care of the rest!

Additional Services

Heritage Grove isn't just about banking; we're about building relationships with our members. We offer personal banking options such as checking and savings accounts, auto loans, mortgage loans, and even credit cards with rewards! If you're looking for business banking solutions, we've got that covered too. Additionally, our shared service center allows members of partner credit unions to enjoy basic transactions like deposits and withdrawals right here in our branch. While members can visit us at 631 Winter St Ne, official correspondence should be sent to PO Box 2227 in Salem. So why wait? Come by Heritage Grove today or give us a call at 503-588-0211. We look forward to welcoming you into our community!

Operating Hours

We understand that life can get busy! That's why our office hours are designed to fit your schedule. You can visit us Monday through Friday from 9:00 a.m. to 5:30 p.m., with extended drive-thru hours from 8:00 a.m. to 6:00 p.m. on Mondays through Thursdays. This flexibility ensures you have ample time to manage your banking needs without rushing.

Member Eligibility

At Heritage Grove, we believe that becoming a member means joining a warm and welcoming community where your financial needs truly matter. If you're looking to become a part of our family, you'll be pleased to know that membership is open to those who live, work, or worship in Marion County, as well as their immediate family members. This inclusivity allows us to serve a diverse group of individuals who can benefit from our personalized services and support. To learn more about the specific eligibility requirements, feel free to check out our detailed guidelines at . Once you're ready to take the next step, opening an account with Heritage Grove is a breeze! You can start your journey online by visiting https://www.billerpayments.com/app/enrolledwebui/#/login?bsn=hgfcu , or simply give us a call at (503) 588-0211 if you have any questions. We're here to help make your transition into membership as smooth and enjoyable as possible. Welcome aboard!

Business Banking & Commercial Services

Real-World Merchant Services

Imagine running your business smoothly with reliable merchant services at your fingertips. Our offerings simplify payment processing, making it easier for you to focus on what matters most growing your business. From easy credit card acceptance to online transaction management, we provide the tools you need to enhance customer satisfaction and streamline operations. Located at 631 Winter St Ne, Salem, OR 97301, we're here to partner with you in achieving your business goals. For more information or to get started, contact us at 503-588-0211. Your success is our priority!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $3 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $237,531, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For small business owners, we offer specialized services such as merchant services and business loans. We understand the unique challenges faced by businesses today, and we're here to support your growth with financial products tailored specifically for entrepreneurs.

Convenient Access

At Heritage Grove, convenience is key. Our branch features a drive-thru service for quick deposits and withdrawals without leaving your car. Plus, our ATM services provide easy cash access anytime you need it. We also participate in shared branching, allowing members from partner credit unions to perform basic transactions at our location making banking even more accessible.

Credit Cards

Our credit cards come with rewards that make spending more rewarding! Whether you're using them for everyday purchases or special occasions, our cards are designed with benefits that enhance your purchasing power while keeping things simple.

Digital Features

In today's fast-paced world, we know that being able to manage your finances on-the-go is crucial. With features like mobile payments, e-statements, and person-to-person transfers, banking has never been easier or more efficient. Our team is dedicated to helping you navigate your financial journey with ease and confidence. If you have any questions about our services or how we can assist you further, don't hesitate to reach out at 503-588-0211. Ready to take control of your finances? Visit us at Heritage Grove or explore our offerings online at ourgrovecu.com. Your financial future starts here!

Loans and Financing

Need a new car? Our auto loans and vehicle financing options can help you get behind the wheel without breaking the bank. We also provide mortgage loans and refinancing solutions tailored to fit your home-buying needs. If you're looking for flexibility in managing debt, consider our personal loans for debt consolidation, which can simplify your finances by combining multiple debts into one manageable payment.

Personal Banking

We offer comprehensive personal banking services, including checking and savings accounts that suit your lifestyle. Whether you're saving for a vacation or managing daily expenses, our accounts come with features that make banking easier. Imagine having access to your funds anytime through our online and mobile banking platforms, allowing you to check balances, transfer money, or pay bills from the comfort of your home.

Digital & Online Banking

Key Features

One of the standout features at Heritage Grove is our electronic signature authorization, which streamlines processes like loan applications and document submissions. Say goodbye to printing and mailing documents everything can be done securely online! We also offer e-statements for those who prefer digital records over paper. This not only helps reduce clutter but also allows you to access your statements anytime, ensuring you're always up-to-date on your finances. Our mobile application brings even more convenience right to your fingertips. With features like mobile payments, making purchases or sending money to friends through person-to-person transfers has never been easier. Just a few taps on your phone, and you're good to go!

Security You Can Trust

Security is a top priority at Heritage Grove. We use advanced encryption technology to safeguard your personal information while you bank online or through our mobile app. You can rest assured that your data is protected as you manage your accounts. At Heritage Grove, we believe banking should be accessible and simple for everyone. Whether you're checking balances, transferring money, or viewing transaction history, our digital banking services provide real-time account management that fits into your busy lifestyle. Explore all these features and more by visiting us at our website.

Financial Strength

Commitment to Growth

Total Share Accounts: 17,658, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $44,717. This level of commitment underscores our dedication to being your trusted financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Heritage Grove is your trusted partner. Visit us at 631 Winter St Ne Salem Or 97301 or call (503) 588-0211 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member-Centric Savings

Members' savings are secured through $33,669,396 in share certificates and $14,175,989 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 29 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Benefit

With $17,145,953 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $1,697 in used auto loans and $104,401,417 in total loans and leases, we support our members' financial goals across various sectors.

Strong Financial Health

With a net worth of $18,075,100, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,178 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $31,452,519 in used vehicle loans and $20,202,462 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, we have flexible financing options that can fit your budget.

Business Loans

For business owners looking to expand or invest in new opportunities, our outstanding commercial loans totaling $237,531 provide the capital needed to grow and thrive. If you're considering refinancing or want to learn about eligibility options for any of these products, please reach out to us. We're here to help you navigate your options and find the best solutions for your unique financial situation. For more information or assistance with applying for any of these loans, visit us at our branch located at 631 Winter St Ne, Salem OR 97301, or give us a call at 503-588-0211. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us partner with you on your financial journey!

Credit Lines

For those needing additional financial support for various projects or expenses, our total credit lines amount to $20,415,040. This product allows you access to funds when you need them while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $18,077,730, making buying or refinancing simple. We guide you through every step of the process so you can confidently make this significant investment.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $2,124,118 in loans helping members manage their finances effectively. Enjoy the convenience and flexibility these cards provide for your purchases.

Loan Aggregator

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HERITAGE GROVE FEDERAL CREDIT UNION - Salem, OR