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About Us

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Who We Are

What is a Credit Union?

Credit unions are not-for-profit financial institutions based on the cooperative idea that more can be accomplished by working together than by working individually. Why should you choose to be a credit union member?

  • Financial Cooperative: In credit unions, the members are the owners and share a common bond of association known as the field of membership. Some members save so others can borrow. Unlike traditional banks, credit unions are not-for-profit organizations. When we produce excess earnings those funds are returned to members in the form of competitive loan and savings rates, lower fees, and additional products and services.
  • You are the Owners: Credit Unions are democratic, member-owned cooperatives; members have the power to direct policy through their Board of Directors. Board elections are based on a one member, one vote structure. Meaning each member has one vote regardless of how much money he or she holds at the credit union. This structure is in contrast to for-profit, bank where stockholders vote according to the number of shares of stock they own.
  • More Than a Place to Put Your Money: While profit margins are important for economic viability, credit unions place their focus on service. Our cooperative structure, member ownership, volunteerism, and quality, personal service distinguish us from other financial institutions.

Our Heritage

In 1953, the roots of Heritage Community Credit Union were planted when seven civilians working on Mather Air Force Base recognized a need for better financial service on base. In the years that followed, this organization would grow to serve military personnel as well and take on the name, Mather Federal Credit Union.

In January 1989, the United States Department of Defense announced the 1993 closure of Mather Air Force Base, but Mather Federal's management vowed they would remain open, regardless of the final disposition of the base. As a result of the announced closure of Mather Air Force Base, we began adding local employer groups to our field of membership and completed two successful mergers with other credit unions to grow our membership base. These efforts and our ability to withstand the effects of the closure of Mather Air Force Base, earned Mather Federal the distinction of "Federal Credit Union of the Year" as named by the National Association of Federal Credit Unions (NAFCU).

In December of 1998, Mather Federal Credit Union members voted overwhelmingly to convert to a state-chartered community credit union. With this evolution, membership eligibility was broadened to include individuals who live, work, worship, or attend school in Sacramento and Placer Counties. After careful consideration, the member-elected Board of Directors voted to change the name of Mather Federal Credit Union to Heritage Community Credit Union. This name was chosen for its reference to tradition and strength, and as a tribute to the members who have been instrumental in the credit union's growth and success since our inception in 1953. Effective March 1, 1999, Heritage Community Credit Union completed its conversion and began operating under a state community charter.

Our Mission

Investing in member relationships by delivering valued financial solutions

Our Vision

Recognized for delivering valued financial solutions

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