Your Workplace Just Got a Little More Rewarding
Your financial future matters.
For more than 75 years, Heritage Community Credit Union has been helping people and communities thrive. We’d love for you to be included.
Take advantage of your exclusive financial benefits through your employer today!
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Personalized Support Work with experts who take the time to understand you.
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Better Rates, Lower Fees As a not-for-profit credit union, we return value to members, not shareholders.
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Bank Anywhere, Anytime Digital banking tools that make managing your money easy and convenient.
Enjoy the latest tools and technology with the trusted support of a credit union that puts people first.
Not an HCCU member yet? Anyone who lives, works, worships, or attends school in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties is eligible to join. Also, any California resident can become eligible by joining the Financial Fitness Association, which you can select during our online application process. Read more about the credit union difference.
Benefits Designed for You
Checking That Gives You More
We have checking accounts that offer:
- $150 bonus when you open a new checking account with direct deposit1
- High-yield dividends or monthly cash back2
ATM fee refunds and no monthly fees2
Or choose valuable perks like cell phone protection, roadside assistance, ID theft protection, and more3
Rewards Credit Card
Spending just got more rewarding!#
- Earn 1.5 points for every $1 spent
- 10,000 bonus points when you spend $1,500 in your first 3 months
- Low introductory rates
- 0% APR balance transfer offer
Auto Refinance
Get up to 2% off your current auto loan rate!
- Lower your monthly payment
- Fast, simple refinancing process
Home Loan Benefits
Start your journey home with HCCU.
- Enjoy closing in as little as 15-30 days.
- Dedicated, in-person mortgage support
- Appraisal fee waived
Financial Wellness
Empower yourself with financial education courses and assistance.
- 1-on-1 financial reviews
- Annual personalized financial checkups
- Guidance designed around your goals
FAQs About Employee Benefits
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What is a credit union?
Instead of answering to outside shareholders looking to make a profit, a credit union is a non-profit cooperative owned entirely by its members. Because of this, any money we make goes right back into your pocket through lower loan rates, higher savings returns, and fewer fees.
How easy is it to manage my account day-to-day?
Managing your money is seamless and designed for modern convenience. Even without visiting our branch, members can enjoy fee-free access to over 30,000 ATMs nationwide and easy-to-use online and mobile banking platforms.
Who should I contact if I have questions?
If you have questions, we’re here to help. Feel free to contact our Business Development Officer, Katinka Maloney. You may email Katinka at [email protected]. You may also contact our team by calling your nearest HCCU branch!
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1 Checking Bonus: To earn the Checking Bonus, open a new HCCU checking account, subject to approval, and set up qualifying direct deposits totaling at least $500. Qualifying direct deposits is a payroll. Person-to-person payments such as Zelle®, transfers between accounts, and deposits made through payment apps do not qualify as direct deposits. The bonus will be deposited into the checking account within 30 days after the direct deposit requirement has been satisfied. 2 Earn dividends or cash back and ATM fee refunds when your Kasasa Checking account qualifications are met Contact a Credit Union representative for account qualification requirements. 4Subject to the terms and conditions detailed in the Guide to Benefits. Requires activation to begin.
3Rewards Credit Card: Subject to credit approval. Additional terms, conditions, and restrictions may apply.
4Auto Refinance: All loans are subject to credit approval. Rate reduction applies only to qualifying auto loans refinanced from another financial institution. Maximum rate reduction is 2.00% below your current rate and cannot go below HCCU’s applicable floor rate. Visit heritageccu.com for current rates and terms.
5Home Loan Benefits: Subject to credit approval and property valuation. Heritage Community Credit Union will waive the appraisal fee when you close an eligible first mortgage loan with HCCU. Certain restrictions may apply.
This program is offered as a no-cost benefit to participating employers; HCCU is neither affiliated with nor compensated by your employer. Offers may be modified or discontinued at any time without notice.
