Privacy Policy

Heritage Community Credit Union understands the importance of protecting the privacy of our members. As such, we are committed to maintaining the confidentiality of each member's financial records consistent with state and federal laws.

California Financial Information Privacy Act Notice

Federal Privacy Policy

Have additional questions about HCCU's products, services, and account information? Please contact our Contact Center or visit a branch for account disclosures.

Children’s Online Privacy Act

The online financial services offered through the Credit Union’s website are designed for primary member usage.  The Credit Union does not actively solicit or collect data from children and as per the Children’s Online Privacy Protection Act (COPPA), the Credit Union does not knowingly market to children under the age of thirteen (13) online or otherwise.  If we receive information from anyone who identifies himself/herself as being under the age of eighteen (18) or if we have reason to believe someone under the age of 18 is making the contact, we will treat that contact accordingly.  In as much, we will only respond to a direct account inquiry and will not seek to actively solicit any other products and/or services. Occasionally the Credit Union may promote children’s products such as Teen Checking and Youth Savings Account or events such as coloring contests.  Any information collected in these circumstances will be in accordance with COPPA and any other applicable laws and/or regulations.

Our Online Privacy Practices

Keeping financial and personal information secure is one of our most important responsibilities.  Heritage Community Credit Union is committed to protecting the information of our members and other visitors who use our website.  We value your trust and handle all personal information with care.  As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.

Secure Transmissions

To ensure information remains confidential, Heritage Community Credit Union uses encryption technology such as Secure Socket Layer (SSL) to protect information you enter and submit from our website.

Email Security

Regular Internet email is not secure.  You should never provide information that is sensitive or confidential such as your social security number, account number, or PIN through unsecured email.  We ask that you do not send personal or account Information through regular email.


A cookie is a small piece of information that a website stores directly on the computer you are using.  Cookies may contain a variety of information from a simple count of how often you visit a website to information which allows customization of a website for your use.  Heritage Community Credit Union uses cookies to gather data about the usage of our website and to ensure that you have access to your account information.  Anytime a cookie is used, personal information is encrypted for our use only and is protected from third party access (a cookie cannot be read by a website other than the one that sets the cookie). 

Linking to Other Sites

To provide you with easy access to information, Heritage Community Credit Union may provide links to other websites such as mortgage companies, insurance companies, or government agencies.  These links are provided as a convenience to our members.  We do not guarantee or endorse any of the content in these links, and Heritage Community Credit Union does not represent either the third party or the member if the two enter into a transaction.  The privacy and security policies on these linked websites may differ from those practiced by Heritage Community Credit Union.  We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information. 

Location Data

Location Data is collected to provide location-based messages, offers, and interactions. Heritage Community Credit Union’s mobile application collects location data to enable push notifications even when the app is closed or not in use. It also is used to support promotional offers from the HCCU. If you use any location-based feature of HCCU mobile, you agree that your geographic location and other personal information may be accessed and disclosed through HCCU. If you wish to revoke access to such information, you must cease using location-based features of HCCU mobile via your device's settings.

Online Security

We use the following security features to protect your account when you use ehccu-online banking and ehccupay-bill payment & presentment. First, your account is protected by your PIN, which you must enter to access your account information. In addition, your account is also protected by Multi-Factor Authentication to ensure secure user authentication for online transactions.

Second, we require a web browser that supports Transport Layer Security (TLS 1.3) protocol. TLS protocol provides for secure communication between you and Heritage Community Credit Union by allowing mutual authentication and encryption for privacy, ensuring that your information is kept confidential.

Supported Browsers and Operating Systems

In order to ensure that you are able to access all of the features of ehccu-online banking, you may need to upgrade from older Operating System versions and browsers to a version capable of supporting TLS 1.3.

You can check your browser’s TLS compatibility here by selecting “Test your browser”. If you do not upgrade, a connection error may be displayed when attempting to access our site.


ehccu-online banking supports all major web browsers, including the following:

Web Browsers *
Microsoft Edge
Mozilla Firefox
Google Chrome

*It is recommended that the most recent version/update of the web browser is being used to ensure access to all of the many features that HCCU offers.                                                                                                                 

SHA-2 Encryption

SHA-2 (Secure Hash Algorithm 2) is a set of cryptographic hash functions designed by the United States National Security Agency (NSA). The SHA-2 family consists of six hash functions with digests (hash values) that are 224, 256, 384 or 512 bits: SHA-224, SHA-256, SHA-384, SHA-512, SHA-512/224, SHA-512/256. More information can be found here

Additionally, members should take steps to secure their privacy. Here are some resources:

Learn More

To learn more about fraud, visit the following site:

NCUA Fraud Prevention Center

Limitation of Services Policy

Heritage Community Credit Union is committed to treating its employees and members with respect and to maintaining a workplace free from abusive conduct. Heritage Community Credit Union Limitation of Services Policy addresses standards of member conduct and to apply appropriate remedial measures against members to protect its employees and members from abuse, harassment, and intimidation. View this policy here or at any of our branches.  View this policy here or at any of our branches.