Experience the Credit Union Difference

Credit Unions have been providing a better banking alternative to the traditional bank for decades. Like other credit unions, Heritage Community Credit Union is a financial cooperative, owned and governed by its members, not paid stockholders. As your partner, HCCU proactively works to help you achieve your financial goals while simplifying your financial experience. We continually strive to offer a wide array of products and services at a fair and affordable price to our membership. That's our member promise, or more simply, we are your partner in achieving financial independence, security, and health.

Who is eligible for membership at HCCU?

Anyone who lives, works, worships, or attends school in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties. Also, any California resident who is a member of our affiliated organization, the Financial Fitness Association. (To become a member of the Financial Fitness Association, you can select it during the online application process.)

To become a member and open an HCCU account:

Credit union membership has many benefits! Contact a Financial Services Representative at one of our branch locations, call the Contact Center for more information at 916.364.1700 or 800.233.6328 or apply online.

Apply Online


To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.