In response to the coronavirus (COVID-19), Heritage Community Credit Union (HCCU) is closely monitoring ongoing developments with guidance from the U.S. Center for Disease Control and Prevention (CDC), federal, state and local health agencies. Your credit union leadership understands that many of us may be anxious at times like these. We respect the reasonable levels of concern that exist in our local community, in our country, and indeed across the world.

Please know that HCCU has taken several precautionary measures to support the health and safety of our members and employees, and reduced branch teams remain available to serve you. We have confirmed the high standards in our regular cleaning procedures at all branches, where we have also made hand sanitizer readily available. Additionally, we are communicating regularly with our employees to ensure that they are informed regarding best practices for keeping everyone safe.

HCCU exists to support you, our members, at all times. We’re here for you! If you have any questions or need any special assistance, we encourage you to contact us via email or reach out to the HCCU Contact Center at 916-364-1700 or 800-233-6328. 

On behalf of the HCCU community, we wish you and your family the best in remaining safe and healthy. Thank you for your membership.

Branch Availability

With our highest priority being the safety of our members and staff, HCCU has decided to temporarily reduce branch hours. 

Complex transactions such as establishing new accounts, trusts, loans, etc. will not be available at the Gold River location due to social distancing requirements. For these types of transactions, please visit our Fair Oaks or Folsom Branch or utilize HCCU's remote service options through our website or mobile app.

Folsom Branch
  • Monday – Friday: 10 a.m. to 3 p.m.
  • Saturday: 10 a.m. to 2 p.m. (drive-up teller only, the lobby will remain closed.)
Gold River Branch
  • Monday – Friday: 10 a.m. to 3 p.m.
  • Saturday: 10 a.m. to 2 p.m.
Fair Oaks Branch
  • Monday – Friday: 10 a.m. to 3 p.m.
  • Saturday: Closed

Your HCCU Contact Center will remain open during normal business hours to assist you with your banking needs and answer questions at 916-364-1700 or 800-233-6328. 

We encourage our members to stay safe and conduct as many of your financial activities as possible remotely through HCCU’s comprehensive network of electronic services. Fortunately, ALL account related management activities, and virtually all transactions, can be conducted from the comforts of home, without the need to visit a branch.

From monitoring account balances to depositing checks to paying bills and even applying for a loan – it can all be done easily through HCCU's Mobile App, Online Banking and website. All of these user-friendly services are available online 24/7. Additionally, our Contact Center team is available to assist with your financial needs and answer any questions you may have during our regular business hours.

Financial Support for our Members

As the impacts of the COVID-19 crisis continue, HCCU is here for you. Your credit union respects the unexpected and adverse financial effects that these events may be having on you, and HCCU has programs and services in place to minimize possible disruptions to you and your family.

Consumer Loan Payment Deferment (Skip-A-Payment)

We want you to know that we’re here for you if you need assistance with your Heritage Community Credit Union loan. We are offering a "No Fee" loan payment deferral program1 on consumer loans. If you need additional loan assistance, please contact us at 916.364.1700 or 800.233.6328

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Mortgage Payment Assistance

If you are unable to make your monthly mortgage payment due to the effects of the Coronavirus (COVID-19), PHH Mortgage and its team are here to assist you.

For mortgage resources, please visit PHH's COVID-19 website or email at [email protected] to begin the assistance process. You may also call them at 1-800-936-8705 for help via their new self-serve option. Please note that while they are working as quickly as possible, turnaround times may be as long as one week due to anticipated volume – we apologize in advance for any delays.

Lifeline Assistance Loan

For members financially impacted by COVID-19, HCCU is offering low-interest loans to help with
budgeting concerns. Apply online for your Lifeline Assistance Loan


Wondering when you will get your stimulus payment? The IRS created an online tool that can be used to check on the status of your money, called ‘Get My Payment’. Check here to check on yours.

1Finance charges will continue to accrue during the deferral period, your payments will be applied to the deferred interest prior to any application to principal. It is important to understand deferral of payments will increase finance charges over the life of the loan and may increase the number of payments required to pay off the loan, your final payment may also change.²Loans subject to approval.