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About Us

Make a Loan Payment

Payment Methods

Heritage Community Credit Union offers a variety of payment options which allow you the flexibility to make your payment in person, by mail, online, or by phone.

Pay by Phone

Need to make a payment on your HCCU loan, but don't have enough time to mail it in? Save a trip to one of our branches by making your payment over the phone! For a convenience fee of $12.50, our Call Center can process your loan payment through our Pay by Phone feature.

The Call Center's hours of operation are from Monday through Friday from 9:00 a.m. to 6:00 p.m. and Saturdays from 9:00 a.m. to 2:00 p.m. To make your payment over the phone, contact our Call Center at one of the phone numbers below:

  • Main phone number: 916.364.1700
  • Toll-free: 800.233.6328

Pay Online

Making your loan payment online through ehccu-online banking is fast and convenient. Plus, it's available to you 24 hours a day, 7 days a week. Learn how to make your payment online from your HCCU savings or checking account in a few easy steps:

  • Log into your account online. (If you are not already enabled for online account access, contact our Call Center to get setup.)
  • On the default Account Access page, click on the "pay" link under the loan amount for the loan you want to make the payment on.
  • Select your savings or checking account as the "from" account for the account your payment will be deducted from.
  • Type in the amount of your payment in the "amount" box then click the "make transfer" button.
  • A message will appear asking you to confirm your payment. Click the "make transfer" button to confirm. 
  • You have just completed making your payment online. You may choose to print the confirmation page for your records.

Want to make a payment to your Heritage Visa® Credit Card online? Access your account here.

Setup Automatic Payments

With automatic payments, your loan payment will be on time, every time! Not only will this save you time, postage, and possible late fees, you'll have the peace of mind of knowing that your loan has been paid each month without any further action on your part. Plus, when you open a new vehicle loan, setting up automatic payments from your HCCU checking account with direct deposit to your account makes you eligible for a 0.50% rate discount.

Contact our Call Center today at the phone numbers below to setup automatic payments:

  • Main phone number: 916.364.1700
  • Toll-free: 800.233.6328

Pay by Mail

Make Your Loan Payment by Mail
Please be sure to include your HCCU account number on the loan payment, then send your loan coupon and check or money order to:
  • Heritage Community Credit Union
    P.O. Box 790, Rancho Cordova, CA 95741-0790
Make Your Credit Card Payment by Mail
To mail a payment for your Heritage Visa® Credit Card:
  • Cardmember Service
    P.O. Box 790408, St. Louis, MO 63179-0408
To send an overnight payment for your Heritage Visa® Credit Card:
  • Cardmember Service
    824 N 11th Street, St. Louis, MO 63101-1016


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