Credit union · NCUA insured
Heritage Grove Federal Credit Union Credit Card Rates
Heritage Grove Federal Credit Union credit cards start at 13.65% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Heritage Grove Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Salem, OR, where Heritage Grove Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Heritage Grove Federal Credit Union
13.65%APR
- Up to
- 18.00% APR
VISA Credit Card
Lowest rate
IBEW/SJ Cascade Federal Credit Union
9.99%APR
- Up to
- —
2nd-lowest rate
Teamsters Council #37 Credit Union
9.99%APR
- Up to
- 17.99% APR
Heritage Grove Federal Credit Union credit card score
65
Credit card score
Higher than 14% of U.S. banks and credit unions
- Purchase APRPurchase APR13.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Heritage Grove Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Credit Card
No annual fee. Variable rate based on creditworthiness. Cash advance fee is 3% ($10 minimum). No balance transfer fee. Requires enrollment in digital banking and e-Statements for Cash-Back program.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.65%–18.00% | None | Variable APR determined by credit qualifications/creditworthiness. 25-day grace period on purchases (excluding cash advances). Rates current as of October 22, 2026 and subject to change. Cash advance fee is 3% ($10 minimum). Balance transfer fee is $0. |
| Intro, 12 months | 7.99%–16.99% | None | Introductory/promotional balance transfer APR for 12 months from the date of first transfer of each balance from another financial institution. Applies only to new balances transferred from cards issued by other financial institutions. Based on creditworthiness. Variable rate (currently 13.65% - 18.00%) applies thereafter. No balance transfer fee. Rates current as of October 22, 2026. |
Sources (3)
All captured Oct 22, 2026
Who can join Heritage Grove Federal Credit Union
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