Your Path to Financial Well-Being
Discover a financial institution dedicated to your success. At Heritage Community Credit Union, we offer tailored banking solutions to help you realize your dreams.
Our members enjoy competitive rates on loans and savings accounts, personalized financial guidance, and exclusive access to innovative banking products and tools.
Our Mission
To help our members achieve their financial dreams.
Our Vision
To be widely renowned for fostering member happiness by providing connected financial solutions to transform members' dreams into financial realities.
Annual Reports
Discover the impact of your membership through Heritage Community Credit Union's Annual Reports. Our yearly snapshots highlight our achievements, financial performance, and ongoing dedication to member satisfaction. Explore how we've grown, innovated, and contributed to our local communities, reinforcing our promise to empower your financial journey year after year.
What is a Credit Union?
Credit unions are financial institutions that operate on a not-for-profit basis. They are founded on the cooperative principle that collective efforts achieve more than individual ones. So, why consider joining a credit union?
Financial Cooperative: Credit union members are part-owners and share a common connection through membership. Some members save, allowing others to borrow. Unlike traditional banks, credit unions don't focus on making profits for shareholders. Excess earnings are returned to members through better loan and savings rates, lower fees, and additional products and services.
You Are the Owner: Credit union members are the part-owners and elect the Board of Directors through a one-member, one-vote system. This differs from traditional banks, where stockholders' voting power depends on their share ownership. In a credit union, every member has an equal say in decision-making processes.
Advantages of Credit Unions: Credit unions provide competitive loan rates, higher returns on savings, and lower fees compared to traditional banks. Members benefit from personalized service, financial education, and community-focused initiatives that enhance their economic well-being.
More Than a Place to Put Your Money: At Heritage Community Credit Union, we prioritize service over profit margins. Our cooperative structure, volunteerism, and member-focused approach set us apart from other financial institutions.
How to Join a Credit Union
Individuals eligible for HCCU membership include those who reside, work, worship, or study in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties. Additionally, any California resident member of the Financial Fitness Association qualifies for membership. You can open an HCCU account by contacting a Financial Services Representative at a branch location, calling the Contact Center, or applying online.
Become a Member in 3 Easy Steps!
TestimonialsDiscover why Sacramento and the surrounding communities love Heritage Community Credit Union! Check out our reviews and share your own experience with others.
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Experience Banking That Puts You First
At Heritage Community Credit Union, we transform your financial aspirations into reality through innovative solutions, competitive rates, and community-focused services. As a member-owner, you'll enjoy better rates, lower fees, and a voice in our decision-making process.
Click below to Join Heritage CCU today and discover the difference of banking with a purpose-driven financial partner dedicated to your success.
