How to Join

The Credit Union Difference

Unlike traditional banks, credit unions are "not for profit" organizations, meaning earnings are returned to members in the form of competitive loan and savings rates, lower fees, and better service. Like other credit unions, Heritage Community Credit Union is a financial cooperative, owned and governed by its members, not paid stockholders. Each credit union member has one vote to elect volunteers to represent their interest on the Board of Directors and Supervisory Committee.

Member accounts are federally insured to at least $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), which is administered by the National Credit Union Administration (NCUA), an agency of the Federal Government.

Who is eligible for membership at HCCU?

• Anyone who lives, works, worships or attends school in Sacramento or Placer County
• Employees of the City of Rancho Cordova and their family members

To become a member and open an HCCU account:

Credit union membership has many benefits. Contact a Financial Services Representative at your local branch, call 916.364.1700 / 800.233.6328, or send an email to hccu@heritageccu.com to join today!