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

Mobile Wallet Service Terms and Conditions

Online Loan Payment Terms & Conditions

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

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.

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 1.2) 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.

Online Banking Security FAQs

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 1.2.

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.                                                                                                                 

"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 at 916-364-1700 or 866-233-6328.

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 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:

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