By Phone

Speak to a friendly member service representative who can help address your needs.

Main Number

For general inquiries and account assistance, contact us at:

  • Main phone number:  916.364.1700
  • Toll-free:  800.233.6328
  • Fax:  916.364.3749

The Contact Center's hours of operation are from Mon. - Fri.: 9:00 a.m. to 5:30 p.m. and Sat.: 9:00 a.m. - 2:00 p.m.

After Hours Number

After Hours - To report a card lost/stolen or to dispute a transaction after regular business hours.

  • Visa Debit Card: 844.390.5327
  • Visa Credit Card: 800.328.3007

24/7 Banking by Phone

Manage your accounts anytime with our convenient 24/7 automated phone banking service.

  • 916.364.0132
  • For outside California:  800.638.5802

By Mail

Use the address below to mail deposits, loan payments, or other important correspondence. Please include your account number on all deposits and loan payments for accurate processing.

Heritage Community Credit Union
P.O. Box 790, Rancho Cordova, CA 95741-0790

By Email

Use the email form below to share your questions, suggestions, or comments. For your security, please avoid including sensitive personal information such as your debit card PIN or social security number.

Contact Us Form

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Experience the Credit Union Difference

As a member-owned cooperative, we aim to put your financial well-being first. This means personalized service, competitive rates on loans and savings, and a strong commitment to helping you reach your goals. Bank with Heritage Community Credit Union and join a community supporting your financial journey.

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Explore Our Products & Services

Find the perfect financial solution for your needs by checking out our range of accounts, loans, and convenient services:

  • Personal Checking Accounts: Manage your everyday finances with easy-to-use accounts and convenient features.
  • Personal Savings Accounts: Reach your savings goals faster with competitive interest rates and flexible options.
  • Personal Loans: Finance large purchases, consolidate debt, or cover unexpected expenses with flexible terms.
  • Home Loans: Purchase your dream home or refinance your mortgage with personalized loan solutions.
  • Account Resources: Access helpful tools, educational guides, and expert support to manage your finances confidently.

Not a member yet? Anyone who lives, works, worships, or attends school in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties is eligible to join. Any California resident can also become eligible by joining the Financial Fitness Association, which you can select during our online application process. Read more about the credit union difference.

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It’s as Easy as 1-2-3 to Join!



Confirm Eligibility 

Visit our eligibility page to see if you can join our credit union.



Apply Online

Click the link below or stop by any branch and open a Basic Savings account.



Fund You Account 

Make a minimum $30 deposit and start enjoying your new membership benefits!

Get Started


I was a newcomer to the area, and I have never had better customer service at a bank. Selenia was incredibly friendly and helpful, always remembered my name, and resolved any issues I was having. I also got more cash back on my free checking than I have at any other bank. I was sad to leave when I moved. Definitely check them out.

-Sara B., Gold River, CA.

Make the Switch to People-First Banking

At Heritage Community Credit Union, we offer competitive rates, personalized service, and a commitment to your financial well-being. Discover a better way to bank and become part of a community that's owned by its members. Click below to join us today!

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