Credit union · NCUA insured
Heritage Grove Federal Credit Union
A $166.3M credit union headquartered in Salem, OR, with 8,393 members and 1 branch in Oregon. Best rates: CDs 4.00% and savings 0.65% APY.
Heritage Grove Federal Credit Union Carrot Score
81
Carrot Score
Higher than 57% of U.S. banks and credit unions
#6 of 23 in Salem, OR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Heritage Grove Federal Credit Union
Heritage Grove Federal Credit Union is headquartered in Salem, Oregon.
- Headquarters
- 631 Winter St NE, Salem, OR 97301
- NCUA charter
- 16113
Branches
1 branch in Oregon
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Oregon
1 branch
- Heritage Grove FCU - 631 Winter StMain office631 Winter St NE, Salem, OR 97301Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.86% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.17% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.66% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $71 | $76 | — |
- CapitalNet worth ratio11.86%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.17%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.66%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$71Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Heritage Grove Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.