Earn Up to $500 with a New HCCU Checking Account
Ready to make the switch? Open a new HCCU Checking account and you could earn up to $500 in bonuses.
Here’s How It Works
- Get $100 - Open a new HCCU Checking account with a minimum opening deposit of $25.1
- Get $200 - Complete 40 qualifying debit card purchase transactions within 60 days of account opening.2
- Get $200 - Set up direct deposit totaling at least $500 per month within 60 days of account opening.3
Offer Ends October 31, 2026
Use Promo Code: 5002026CK
Do you want guidance on which checking account is right for you? Please reach out to us at 916.364.1700 and we will get you squared away.
Federally Insured by NCUA
¹New Checking Account Bonus: Offer valid through October 31, 2026. Offer is unavailable to existing Heritage Community Credit Union (HCCU) checking account holders and members whose checking account was closed within the previous 90 days or closed with a negative balance. To receive the $100 bonus, open a new HCCU checking account using promo code 5002026CK, subject to approval, and fund the account with a minimum opening deposit of $25. The bonus will be deposited into the new checking account within 30 days of satisfying the account opening requirements.
²Debit Card Bonus: Earn an additional $200 when you complete 40 qualifying debit card purchase transactions within 60 days of account opening. ATM transactions, person-to-person payments, returned purchases, and other non-purchase transactions do not qualify. The bonus will be deposited into the checking account within 30 days after all qualifying requirements have been met.
³Direct Deposit Bonus: Earn an additional $200 when recurring direct deposits totaling at least $500 per month are received into the new checking account through the Automated Clearing House (ACH) network within 60 days of account opening. Qualifying direct deposits include payroll, pension, Social Security, or other government benefits. 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 qualifying direct deposit requirement has been satisfied.
To receive any bonus, the checking account must be open, active, and not restricted at the time of bonus payout. Bonuses may be reported to the IRS as interest, and the recipient is responsible for any applicable taxes. HCCU reserves the right to modify or discontinue this offer at any time without notice. Membership eligibility requirements apply.
22-month Share Certificate Special – 4.40% APY*
Enjoy a competitive rate with a 22-month term. Rest assured, HCCU will give you peace of mind as you save.
- Special, fixed rate of 4.40% APY*
- $1,000 minimum deposit to open
- $500,000 maximum deposit
Take advantage of our Share Certificate special today!
*APY = Annual Percentage Yield. For a limited time only. Rates are effective as of October 14, 2026. The minimum opening deposit required for this account is $1,000, and the maximum deposit amount allowed is $500,000 per account and household. The dividend rate and annual percentage yield are fixed for the 22-month term of the account. No new money required.
9-month Share Certificate Special – 4.20% APY*
Enjoy a competitive rate with a 9-month term. Rest assured, HCCU will give you peace of mind as you save.
- Special, fixed rate of 4.20% APY*
- $1,000 minimum deposit to open
- $500,000 maximum deposit
Take advantage of our Share Certificate special today!
*APY = Annual Percentage Yield. For a limited time only. Rates are effective as of October 14, 2026. The minimum opening deposit required for this account is $1,000, and the maximum deposit amount allowed is $500,000 per account and household. The dividend rate and annual percentage yield are fixed for the 9-month term of the account. No new money required.
Unlock the Power of Your Home Equity
Home improvements | Debt Consolidation | Education | Big Plans
Take advantage of your home's value with exclusive, limited-time financing options—designed just for our members.
Home Equity Line of Credit (HELOC)
- 2.99% APR Intro Rate for the first 6 months*
- No Closing Costs on HELOCs!
- Revolving line of credit—borrow what you need, when you need it
- Great for ongoing projects, unexpected expenses, or peace of mind
Fixed Home Equity Loan
- Rates as low as 5.89% APR*
- Lump sum with predictable monthly payments
- Ideal for large purchases or debt consolidation
Ready to Get Started?
Call 916.364.1700 or stop by your local branch or…
*APR = Annual Percentage Rate. Offer valid for a limited time and subject to change without notice. Property must be owner-occupied and located in California. All loans are subject to credit approval and property valuation. Other restrictions on property may apply. An introductory rate of 2.99% APR is available on new Home Equity Lines of Credit (HELOCs) for the first six (6) months from the date of funding. After the introductory period, the APR will be variable and based on the Prime Rate minus or plus a margin based on your credit (margin = minus 0.250% up to plus 1.50%). The Prime Rate is the “Prime Rate” published in the “Consumer Money Rates” table of the Wall Street Journal on the last business day of each month. The APR will not exceed 15.00%. Fixed Home Equity Loan rates as low as 5.89% APR are available for well-qualified borrowers. Actual rate may vary based on credit history, loan term, and loan-to-value (LTV). Other rates and terms are available. Minimum and maximum loan amounts apply. No closing costs on HELOCs. However, if a HELOC is paid off and closed within 36 months of origination, closing costs paid by the credit union may be recouped. Closing costs may apply to Fixed Home Equity Loans.
Refinance Your Auto Loan and Save Up to 2% on Your Interest Rate!
We’ve got great news—refinancing your auto loan with HCCU could put money back in your pocket.
Here’s how it works:
Refinance your car loan from another lender and enjoy up to 2% off your current interest rate¹. Your new rate could be as low as 5.50% APR*.
Plus, enjoy no payments for 90 days!1
Give your budget a little extra breathing room with no payment required for the first 90 days.
This is a limited-time offer, so don’t wait!
Refinancing is fast, simple, and could lower your monthly payments, giving your budget a little more breathing room.
*APR = Annual Percentage Rate. Offer valid for a limited time and subject to change without notice. All loans subject to credit approval. Actual rate, term, and payment may vary based on creditworthiness, vehicle model year, mileage, and loan amount. Minimum refinance amount is $15,000. Offer not valid on existing Heritage Community Credit Union auto loans or loans financed through CUDL. May not be combined with other offers.¹ Rate reduction applies only to auto loans refinanced from another financial institution. A recent statement showing the current balance and rate is required. The maximum rate reduction is 2.00% below your current rate, with a floor of 5.50% APR. Rates accurate as of 9/28/2026. 1Finance charges begin to accrue upon loan disbursal and will continue to accrue during the “no payment” deferral period. No payment deferral period will increase the total finance charges borrower will pay over life of loan.
Earn 10,000 bonus points when you spend $1,500 in the first 3 months2 – that’s a $100 cash redemption value.
Our Rewards Credit Card lets you earn points on everyday purchases then offers rewards such as travel, cash back, and merchandise. Plus, enjoy these additional features:
- Points on Purchases: Earn 1.5 reward points per $1 spent on all purchases.
- 0% APR Balance Transfer Offer: Pay no interest on your balance transfer for the first 12 months. After 12 months, get a rate between 15.74% and 36.00% APR* based on your credit.
- 4.99% Introductory APR* for Purchases: Enjoy a low, fixed rate for the first six months after account opening. After six months, get a rate between 15.74% and 36.00% APR* based on your credit.
*Annual Percentage Rate, see Pricing and Fee Details. View Disclosure. Rates and terms are subject to change without notice.
1 Other fees apply. Cash advance fee is 3.00% of the amount of each cash advance. Foreign transaction fee is up to 1% of each transaction in U.S. dollars.
2To qualify for the 10,000 bonus rewards points, a total of at least $1,500 in net purchases (purchases minus returns/credits) must be posted to your account within 3 months from the date your account is opened. Cash advances and balance transfers do not apply for this offer and may affect the credit line available for this offer.
Rates and terms are subject to change without notice. All loans are subject to credit approval.
