9-month Share Certificate Special – 3.85% 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 3.85% APY*
- $1,000 minimum deposit to open
- $250,000 maximum deposit
- No New Money Required!
Take advantage of our Share Certificate special today!
*APY = Annual Percentage Yield. For a limited time only. Rates are effective as of October 3rd, 2025. The minimum opening deposit required for this account is $1,000, and the maximum deposit amount allowed is $250,000 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*
- 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 5.99% 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 5.99% APR available for well-qualified borrowers. Actual rate may vary based on credit history, loan term, and LTV. Other rates and terms are available. Minimum and maximum loan amounts apply.
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 4.99% APR*.
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. The offer valid for a limited time only is subject to change without notice. Credit approval and actual rate will vary based on the borrower’s creditworthiness, the loan term selected, loan amount and vehicle model, year, and value. Minimum loan amount is $15,000. Offer not available for existing HCCU auto loans or loans financed through CUDL. The offer may not be combined with any other discounts or offers.
1Rate reduction applies to auto loans refinanced from another financial institution only. Recent lender statement with balance and rate will be required prior to approval. The maximum rate reduction is 2% below your current rate with a floor rate of 4.99% APR.
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 17.24% 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 17.24% 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.
Earn 3 points per $1 on all grocery purchase transactions1
We have an exclusive offer just for you! From October 1st, 2025, through October 31st, 2025, our HCCU Platinum Rewards Credit Card is offering DOUBLE the points on all grocery store transactions. That’s right – you can earn 3 points for every $1 spent on your spooky holiday treats.
With this deal, you can become the house trick-or-treaters remember is stocked to the brim with candy.
Don’t miss out on this limited time offer! Remember, this offer is only good From October 1st, 2025, through October 31st, 2025. Rewards so good, they’re spooky!
1Offer valid from October 1st, 2025, through October 31st, 2025. Double points on grocery transactions apply only to purchases made during the promotional period with the Heritage Community Credit Union Platinum Rewards Credit Card. Grocery transactions include any grocery store or wholesale club purchases. Points are awarded based on net purchases (purchases minus credits and returns) and may take up to 1-2 billing cycles to appear on your account.
