Flex Share Certificate Special – 4.25% APY*

Enjoy a competitive rate paired with a flexible term for a limited time. Rest assured, there are no early withdrawal penalties, giving you peace of mind as you save.

  • Flexible term: select 7 to 19 months.
  • Special, fixed rate of 4.25% APY
  • No penalty for early withdrawal!
  • $1,000 minimum deposit to open
  • $250,000 maximum deposit

Take advantage of our Flex Share Certificate special today!

 *APY = Annual Percentage Yield. For a limited time only. Rates are effective as of April 5, 2024. 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 selected 7—to 19-month term of the account. 

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Save $3,000 off Closing Costs

Are you looking to buy a new home? Whether you are a first-time home buyer or ready to buy your next home, HCCU has the right mortgage for you! For a limited time, you could also receive $3,000 off closing costs with your HCCU mortgage loan!  

  • $3,000 off closing costs for fixed rate purchase loans1
  • $1,000 off closing costs for a refinance1
  • Flexible terms to fit your needs.
  • Support from start to finish.
  • See current mortgage rates! 

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Apply Online Now! Or do you have Questions?
HCCU has an expert team of loan advisors with valuable knowledge of the local real estate market. Contact us at [email protected] or by calling 916.364.1700.

1Offer is subject to change without notice. Subject to credit approval and property valuation. APR, terms & conditions are subject to change. Property insurance is required; flood insurance may be required. Limited to owner-occupied one-to-four-family unit properties located in California. Excludes manufactured homes, mobile homes, and commercial properties. Other restrictions on property may apply. Closing cost credits cannot exceed the actual amount of closing costs and escrows. When your mortgage loan closes, you will receive up to $3,000 or $1,000 off closing costs if you finance with Heritage Community Credit Union.

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 16.99% and 23.99% 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 16.99% and 23.99% APR* based on your credit.

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*Annual Percentage Rate, see Pricing and Fee DetailsView 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. 

Kasasa Tunes

Earn up to $50 in refunds when you open your Kasasa Tunes account.  Plus, earn monthly refunds for online purchases!2

  • Earn up to $10 in refunds every month when you purchase from:
    • iTunes®
    • Amazon®
    • Google Play™ 
  • Get Up to $25 in refunds of ATM withdrawal fees each month.
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • $25 minimum deposit to open

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You need to meet some simple qualifying criteria to get all these rewards, but your Kasasa Tunes account is always free. And if you don't meet the qualifications in some months, you can try again the next one! Learn more.

1 Rewards are variable and may change after account is opened. As a sign Up Bonus, when you open and fund your new Kasasa Tunes account, you will be refunded up to an aggregate total of $50 (which includes any applicable taxes) for iTunes, Amazon.com or Google Play purchases made with your Kasasa Tunes debit card that post and settle to your account during the first 60 calendar days after your account is opened. This refund will be credited to your account on the first day of the following statement cycle in which your aggregate iTunes, Amazon.com or Google Play purchase threshold of $50 posts and settles to your account. Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited. Sign Up Bonus will be treated as dividends for IRS (Form 1099 INT) reporting purposes. No minimum balance is required to obtain this bonus, but a $25 minimum deposit is required to open the account. In addition, when Kasasa Tunes qualifications are met during a Monthly Qualification Cycle: (1) you will earn up to an aggregate total of $10 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com or Google Play purchases must be made with your Kasasa Tunes debit card and must post and settle to your account no more than 32 days after the Monthly Qualification Cycle in which you qualified ends. And, (2), you will also receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Tunes qualifications are not met, no iTunes, Amazon.com or Google Play refunds are made and ATM withdrawal fees are not reimbursed. To receive Kasasa Tunes and ATM withdrawal fee reimbursement rewards, you must access your Kasasa Tunes account through ehccu-online banking, Mobile eBanking or text banking at least once during the Monthly Qualification Cycle and conduct at least 12 posted PIN-based or signature-based debit card merchant transactions during the Monthly Qualification Cycle. Transactions may take one or more banking days from the date the transaction was made to post to your account. Transactions that have been initiated but not posted as of the end of the cycle will not count as a qualifying transaction for that cycle, but will count in the following cycle when they post to your account. “Monthly Qualification Cycle” means the current Statement Cycle. “Statement Cycle” means the period of time covered by the statement for your account. The statement cycle begins on the first day of the calendar month and ends on the last day of the calendar month. Failure to maintain monthly enrollment in eStatements will require the closure of your Kasasa Tunes account. Limit 1 Kasasa Checking account per social security number.