Whether you live in Sacramento, Placer, El Dorado, Yolo, or San Joaquin Counties, HCCU has new account opening options for you.
- Open an account online today – Apply Online
- Open an account through our Contact Center – 916.364.1700
- Open an account at one of our branch locations – see below.
- Phone916-364-1700Toll Free800-233-6328
Lobby Hours
Mon - Thurs9:00am - 5:00pmFriday9:00am - 5:30pmSaturdayClosedATM Mon - Sun24 hours
Holiday Closures
Heritage Community Credit Union branches, Contact Center, and offices will be closed when observing the following holidays. For your convenience, all automated and electronic services will be available.
- New Year's Day - Wednesday, January 1, 2025
- Martin Luther King Day - Monday, January 20, 2025
- President's Day - Monday, February 17, 2025
- Memorial Day - Monday, May 26, 2025
- Juneteenth National Independence Day - Thursday, June 19, 2025
- Independence Day - Friday, July 4, 2025
- Labor Day - Monday, September 1, 2025
- Columbus Day - Monday, October 13, 2025
- Veteran's Day - Tuesday, November 11, 2025
- Thanksgiving Day - Thursday, November 27, 2025
- Christmas Day - Thursday, December 25, 2025
Featured Products
Heritage Community Credit Union proudly offers our members a wide range of outstanding financial products designed to meet their unique needs. Explore our diverse selection and discover how we can help you reach your goals.
Vehicle Loans
Set your sights on the open road, tranquil lakes, or off-the-beaten-path trails with our variety of vehicle loans. Our competitive rates and flexible repayment terms make financing simple and tailored to you. Our local decision-making and processing mean you get the support you need when you need it.
Personal Checking
Keep your daily finances flowing smoothly with a personal checking account crafted for convenience. Enjoy features like online banking, mobile deposits, and minimal fees. It's the perfect tool to manage your money confidently and securely.
Personal Savings
Start putting away money for your future with our range of attractive savings accounts. Earn interest on your deposits while keeping your money safe and secure. It's an easy way to save for anything from emergencies to that dream vacation.
Personal Loans
We designed our personal loans to give you the financial boost you need for life’s little expenses. With straightforward repayment plans and fair interest rates, we make borrowing stress-free. Start molding your future with the support that adapts to your personal needs.
Home Loans
Home is where your story begins and our home loan packages are the first chapter. With a variety of mortgage options to choose from, we make finding the right loan as comforting as your living room. We'll simplify the process, helping you achieve homeownership with terms tailored to your needs.
Credit Cards
Explore a world of possibilities with our range of credit cards. Benefit from low-interest rates, reward points, and other useful features. We even offer a secured card for those without credit or who are looking to rebuild their history.
