By Phone
Speak to a friendly member service representative who can help address your needs.
Main Number
For general inquiries and account assistance, contact us at:
- Main phone number: 916.364.1700
- Toll-free: 800.233.6328
- Fax: 916.364.3749
The Contact Center's hours of operation are:
- Monday - Thursday, 9:00 a.m. to 5:00 p.m
- Friday, 9:00 a.m. to 5:30 p.m.
- Saturday, 10:00 a.m. to 2:00 p.m.
After Hours Number
After Hours - To report a card lost/stolen or to dispute a transaction after regular business hours.
- Visa Debit Card: 844.390.5327
- Visa Credit Card: 800.328.3007
24/7 Banking by Phone
Manage your accounts anytime with our convenient 24/7 automated phone banking service.
- 916.364.1700 – option 2
By Mail
Use the address below to mail deposits, loan payments, or other important correspondence. Please include your account number on all deposits and loan payments for accurate processing.
Heritage Community Credit Union
P.O. Box 790, Rancho Cordova, CA 95741-0790
By Email
Use the email form below to share your questions, suggestions, or comments. For your security, please avoid including sensitive personal information such as your debit card PIN or social security number.
Contact Us Form
Experience the Credit Union Difference
As a member-owned cooperative, we aim to put your financial well-being first. This means personalized service, competitive rates on loans and savings, and a strong commitment to helping you reach your goals. Bank with Heritage Community Credit Union and join a community supporting your financial journey.
Explore Our Products & Services
Find the perfect financial solution for your needs by checking out our range of accounts, loans, and convenient services:
- Personal Checking Accounts: Manage your everyday finances with easy-to-use accounts and convenient features.
- Personal Savings Accounts: Reach your savings goals faster with competitive interest rates and flexible options.
- Personal Loans: Finance large purchases, consolidate debt, or cover unexpected expenses with flexible terms.
- Home Loans: Purchase your dream home or refinance your mortgage with personalized loan solutions.
- Account Resources: Access helpful tools, educational guides, and expert support to manage your finances confidently.
Not a member yet? Anyone who lives, works, worships, or attends school in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties is eligible to join. Any California resident can also become eligible by joining the Financial Fitness Association, which you can select during our online application process. Read more about the credit union difference.
It’s as Easy as 1-2-3 to Join!
Step1 |
Confirm Eligibility Visit our eligibility page to see if you can join our credit union. |
Step2 |
Apply Online Click the link below or stop by any branch and open a Basic Savings account. |
Step3 |
Fund You Account Make a minimum $30 deposit and start enjoying your new membership benefits! |
I was a newcomer to the area, and I have never had better customer service at a bank. Selenia was incredibly friendly and helpful, always remembered my name, and resolved any issues I was having. I also got more cash back on my free checking than I have at any other bank. I was sad to leave when I moved. Definitely check them out.-Sara B., Gold River, CA. |
Make the Switch to People-First Banking
At Heritage Community Credit Union, we offer competitive rates, personalized service, and a commitment to your financial well-being. Discover a better way to bank and become part of a community that's owned by its members. Click below to join us today!
