Credit union · NCUA insured
Heritage Grove Federal Credit Union Savings Rates
Heritage Grove Federal Credit Union’s best savings rate is 0.65% APY on $10,000, with its Premium Money Market. Rates checked October 22, 2026.
How Heritage Grove Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Salem, OR, where Heritage Grove Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heritage Grove Federal Credit Union
2.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $200
GroveUp Savings
Top rate
Valley Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
Heritage Grove Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.25%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.75%
- QualifiedQualified2.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Heritage Grove Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
GroveUp Savings
2.00%APY
Zero service fees and monthly dividends deposited directly into account. Only one GroveUp Account per member. Requires online account opening, e-Statements and digital banking registration.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Tier 1: $0 – $2,000. Requires online account opening, e-Statements and digital banking registration. Limit one account per member. | 3.25% | — | Tier 1: $0 – $2,000. Requires online account opening, e-Statements and digital banking registration. Limit one account per member. |
| $2,000 – $10,000Tier 2: $2,000.01 – $10,000. Blended APY 3.25% – 2.25%. Requires online account opening, e-Statements and digital banking registration. Limit one account per member. | 2.00% | $200 | Tier 2: $2,000.01 – $10,000. Blended APY 3.25% – 2.25%. Requires online account opening, e-Statements and digital banking registration. Limit one account per member. |
| $10,000 – $20,000Tier 3: $10,000.01 – $20,000. Blended APY 2.25% – 1.25%. Requires online account opening, e-Statements and digital banking registration. Limit one account per member. | 0.25% | — | Tier 3: $10,000.01 – $20,000. Blended APY 2.25% – 1.25%. Requires online account opening, e-Statements and digital banking registration. Limit one account per member. |
| Over $20,000Tier 4: $20,000.01 +. Blended APY 1.25% – 0.10%. Requires online account opening, e-Statements and digital banking registration. Limit one account per member. | 0.10% | — | Tier 4: $20,000.01 +. Blended APY 1.25% – 0.10%. Requires online account opening, e-Statements and digital banking registration. Limit one account per member. |
Premium Money Market
0.65%APY
Dividends are paid monthly and calculated on average daily balance. The minimum balance required to obtain the advertised APY is $100.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000The minimum balance required to obtain the advertised APY is $100. | 0.10% | — | The minimum balance required to obtain the advertised APY is $100. |
| $10,000 – $100,000 | 0.65% | $65 | |
| $100,000 and up | 2.75% | — |
Sources (1)
- ourgrovecu.com/rates · captured Oct 3, 2026
Money Market
0.60%APY
Dividends are paid monthly and calculated on average daily balance. The minimum balance required to obtain the advertised APY is $100.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000The minimum balance required to obtain the advertised APY is $100. | 0.10% | — | The minimum balance required to obtain the advertised APY is $100. |
| $1,000 – $10,000 | 0.45% | — | |
| $10,000 – $25,000 | 0.60% | $60 | |
| $25,000 – $100,000 | 0.75% | — | |
| $100,000 and up | 1.00% | — |
Sources (1)
- ourgrovecu.com/rates · captured Oct 3, 2026
Primary Savings
0.10%APY
Represents share in the credit union. Balances under $100 have a $5 monthly service fee, waived if you add a Heritage Grove checking, money market, certificate, or loan. Dividends are paid monthly and calculated on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns dividends on monthly average balances over $100 / balances $100 or more. $5 monthly service fee on balances under $100 is waived by adding a Heritage Grove checking, money market, certificate, or loan. Dividends paid monthly and calculated on average daily balance.$100 and up | 0.10% | $10 | Earns dividends on monthly average balances over $100 / balances $100 or more. $5 monthly service fee on balances under $100 is waived by adding a Heritage Grove checking, money market, certificate, or loan. Dividends paid monthly and calculated on average daily balance. |
First-Time Home-Buyer Savings
0.05%APY
For individuals looking to purchase their first home or who have not owned a home in three years. Allows saving for a down payment and closing costs while providing Oregon residents state-tax savings. Dividends paid monthly and calculated on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upBalances $100 or more. Must be first-time homebuyer or not have owned a home in three years. Dividends are paid monthly and calculated on average daily balance.$100 and up | 0.05% | $5 | Balances $100 or more. Must be first-time homebuyer or not have owned a home in three years. Dividends are paid monthly and calculated on average daily balance. |
Goal Saver
0.05%APY
Dividends are paid monthly and calculated on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid monthly and calculated on average daily balance.Any balance | 0.05% | $5 | Dividends are paid monthly and calculated on average daily balance. |
Sources (1)
- ourgrovecu.com/rates · captured Oct 3, 2026
Special-purpose accounts
Youth Savings
0.10%APY
All accounts are opened with a parent or guardian as a joint owner. Dividends are paid monthly and calculated on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll accounts opened with parent or guardian as joint owner. Dividends are paid monthly and calculated on average daily balance.Any balance | 0.10% | $10 | All accounts opened with parent or guardian as joint owner. Dividends are paid monthly and calculated on average daily balance. |
Who can join Heritage Grove Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.