Payment Methods

Heritage Community Credit Union offers a variety of payment options which allow you the flexibility to make your payment in person, by mail, online, or by phone.

Automatic Transfer Authorization

Heritage Community Credit Union offers ACH (Automated Clearing House) Debit Origination for HCCU loan payments. ACH Debit Origination gives HCCU the ability to receive funds from other financial institutions. Payments can be set up monthly or bi-weekly to correspond with your loan due date.

Pay by Phone

Need to make a payment on your HCCU loan, but don't have enough time to mail it in? Save a trip to one of our branches by making your payment over the phone! For a convenience fee of $12.50, our Contact Center can process your loan payment through our Pay by Phone feature.

The Contact Center's hours of operation are from Monday through Friday from 9:00 a.m. to 6:00 p.m. and Saturdays from 9:00 a.m. to 2:00 p.m. To make your payment over the phone, call our Contact Center at one of the phone numbers below:

  • Main phone number: 916.364.1700
  • Toll-free: 800.233.6328

Pay Online

Making your loan payment online through eHCCU online banking is fast and convenient. Plus, it's available to you 24 hours a day, 7 days a week. Learn how to make your payment online from your HCCU savings or checking account in a few easy steps:

  • Log into your account online. (If you are not already enabled for online account access, call our Contact Center to get setup.)
  • On the default "My Accounts" page, click on the "Make A Transfer" link under the "Move Money" option.
  • Select your savings or checking account as the "from" account for the account your payment will be deducted from then select your loan as the "to" account.
  • Type in the amount of your payment in the "Transfer Amount" box then click the "Transfer Funds" button.
  • A message will appear asking you to confirm your payment. Click the "make transfer" button to confirm.
  • You have just completed making your payment online. You may choose to print the confirmation page for your records.

Want to make a payment to your Heritage Visa® Credit Card online? Access your account online.

Set Up Automatic Payments

With automatic payments, your loan payment will be on time, every time! Not only will this save you time, postage, and possible late fees, you'll have the peace of mind of knowing that your loan has been paid each month without any further action on your part.

Call our Contact Center today at the phone numbers below to setup automatic payments:

  • Main phone number: 916.364.1700
  • Toll-free: 800.233.6328

Pay by Mail

Make Your Loan Payment by Mail

Please be sure to include your HCCU account number on the loan payment, then send your loan coupon and check or money order to:

Heritage Community Credit Union
P.O. Box 790
Rancho Cordova, CA 95741-0790

Make Your Credit Card Payment by Mail

To mail a payment for your Heritage Visa® Credit Card:

Cardmember Services
P.O. Box 790408
St. Louis, MO 63179-0408 

To send an overnight payment for your Heritage Visa® Credit Card

Cardmember Services
824 N 11th Street
St. Louis, MO 63101-1016