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.
  • Folsom
    Map ATM
    707 E. Bidwell Street
    Folsom, CA 95630
    See Location Details Get Directions
    Phone916-364-1700
    Toll Free800-233-6328
    Lobby Hours
    Mon - Thurs9:00am - 5:00pm
    Friday9:00am - 5:30pm
    Saturday10:00am - 2:00pm
    Drive Through Hours
    Mon - Thurs9:00am - 5:00pm
    Friday9:00am - 5:30pm
    Saturday10:00am - 2:00pm
  • Fair Oaks
    Map ATM
    5329 Sunrise Boulevard
    Fair Oaks, CA 95628
    See Location Details Get Directions
    Phone916-364-1700
    Toll Free800-233-6328
    Lobby Hours
    Mon - Thurs9:00am - 5:00pm
    Friday9:00am - 5:30pm
    Saturday10:00am - 2:00pm
  • Gold River
    Map ATM
    2155 Golden Centre Lane
    Gold River, CA 95670
    See Location Details Get Directions
    Phone916-364-1700
    Toll Free800-233-6328
    Lobby Hours
    Mon - Thurs9:00am - 5:00pm
    Friday9:00am - 5:30pm
    Saturday 10:00am - 2:00pm
    Inside the Bel Air
  • Folsom
    Map ATM
    707 E. Bidwell Street
    Folsom, CA 95630
    See Location Details Get Directions
    Phone916-364-1700
    Toll Free800-233-6328
    Lobby Hours
    Mon - Thurs9:00am - 5:00pm
    Friday9:00am - 5:30pm
    Saturday10:00am - 2:00pm
    Drive Through Hours
    Mon - Thurs9:00am - 5:00pm
    Friday9:00am - 5:30pm
    Saturday10:00am - 2:00pm
  • Sacramento VA Medical Center - ATM Only
    Map
    10535 Hospital Way
    Mather, CA 95655
    See Location Details Get Directions
    Does not accept deposits
  • Fair Oaks
    Map ATM
    5329 Sunrise Boulevard
    Fair Oaks, CA 95628
    See Location Details Get Directions
    Phone916-364-1700
    Toll Free800-233-6328
    Lobby Hours
    Mon - Thurs9:00am - 5:00pm
    Friday9:00am - 5:30pm
    Saturday10:00am - 2:00pm
  • Gold River
    Map ATM
    2155 Golden Centre Lane
    Gold River, CA 95670
    See Location Details Get Directions
    Phone916-364-1700
    Toll Free800-233-6328
    Lobby Hours
    Mon - Thurs9:00am - 5:00pm
    Friday9:00am - 5:30pm
    Saturday 10:00am - 2:00pm
    Inside the Bel Air

The CO-OP® Network

We are pleased to be able to offer our members FREE access to the largest credit union-only ATM Network in the country including 30,000 CO-OP Network® ATM locations. To find additional FREE credit union ATM locations near you, use our CO-OP Network ATM locator.

ATM Locator
Zip:

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 - Monday, January 1, 2024
  • Martin Luther King Day - Monday, January 15, 2024
  • President's Day - Monday, February 19, 2024
  • Memorial Day - Monday, May 27, 2024
  • Juneteenth National Independence Day - Wednesday, June 19, 2024
  • Independence Day - Thursday, July 4, 2024
  • Labor Day - Monday, September 2, 2024
  • Columbus Day - Monday, October 14, 2024
  • Veteran's Day - Monday, November 11, 2024
  • Thanksgiving Day - Thursday, November 28, 2024
  • Christmas Day - Wednesday, December 25, 2024

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.

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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.

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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.

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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.

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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.

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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.

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