Account Disclosures

Have additional questions about HCCU's products, services, and account information? View digital versions of our in-branch brochures and documents here.

Membership Account Agreement

EFT Agreement and Disclosure

E-Communication Disclosure

Your Insured Funds

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

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 Secure Sockets Layer (SSL) protocol. SSL 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.

"Phishing Attacks" – Email Security Information

Important Email Security Reminder

Heritage Community Credit Union (HCCU) has always been committed to maintaining the confidentiality, integrity and security of our members' personal information. We are proud of our privacy practices and want you to know that we protect this information and want to help you protect yourself.

HCCU would like to remind you of the important e-mail safety tips that can help protect your account. If you should ever receive an e-mail requesting your personal information, please DO NOT provide the requested information. These e-mails either request personal information or direct the recipient to a site which appears authentic but, is an unauthorized counterfeit website.

We do not send out e-mails requesting personal information. If you receive an e-mail requesting such information, do not respond. If you have already responded, notify us immediately.

In addition, we would like to remind you of the following important e-mail safety tips to help protect the security of your accounts.

  • One way to protect yourself and prevent possible fraudulent activity is NEVER give personal information such as user ids, account numbers, or passwords to persons unfamiliar to you. Also, be especially cautious during calls you do not initiate.
  • HCCU will never request that you send your account number, password or other personal information in an e-mail.
  • You should never send your account number, online banking password, or any other personal or sensitive information to anyone via an unencrypted (unsecured) e-mail channel. Most public Internet e-mail is unsecured. Check with your e-mail provider for details about security of your transmissions through them.
  • Visit www.ftc.gov/spam to learn more ways to avoid email scams and deal with deceptive spam. You can also call the Federal Trade Commission (FTC) toll-free at 1-(877) IDTHEFT (438-4338).

If you suspect suspicious activity on your account, please notify HCCU immediately at one of the numbers below.

Member Service Center:
916-364-1700
800-233-6328

SHA-256 Encryption

SHA-2 (Secure Hash Algorithm 2) is a set of cryptographic hash functions designed by the United States National Security Agency (NSA). SHA-256 algorithm (part of the SHA-2 family) generates an almost-unique, fixed size 256-bit (32-byte) hash (digest). More information can be found here.

Browsers that support SHA-256 include:

  • Chrome 26+
  • Firefox 1.5+
  • Internet Explorer 7+ and higher
  • Safari from Mac OS X 10.5+
  • Windows Phone 7+

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