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Heritage Community Credit Union

Popular Accounts at this Credit Union

3.00%Reward CheckingiProfit Checking
1.36%5-year CD5 Year Share Certificate
0.30%1-year CD1 Year Wealth Builder Share Certificate

Overview / Commentary
10415 Old Placerville Rd
Sacramento, CA 95827-2508

Heritage Community Credit Union is headquartered in Sacramento and is the 114th largest credit union in the state of California. It is also the 985th largest credit union in the nation. It was established in 1953 and as of March of 2016, it had grown to 43 employees and 13,454 members at 6 locations. Heritage Community Credit Union has an A health rating.

Field of Membership Restrictions

Heritage Community Credit Union of California is open to the residents, church members, registered students, and the people that maintain employment within Sacremento and Placer County.
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Reviews (2)

Worst Service Of Any Bank

Posted by: noway | Sep 30, 2012

Sunrise and Madison branch 9/29/2012 1PM Saturday. Went to open a bank account. 4 people working at the bank no other customers but me and only 1 was able to open the account. She was on the phone and rudely stated she was on her break and I would have to wait for 20 min before she could help.

I got up and left worst service of any bank I have ever been to and I have many accounts at many banks.

Why Did They Change Everything

Posted by: meme | Jun 15, 2013

I, too, have a grievance with the branch on Madison and Sunrise. They changed everything, from the staff to the interior. The customer service is awful. The manager Kimmi is the worst always rude and acts like she better than everyone, even her one staff!I asked her her name and rather then tell me she pointed to her name plate. Rude piece of work, she is. Instead of asking me for my Id she reached out and picked up my wallet, who the heck does she think she is? I have been with the bank for about 12 years(customer), maybe more. I miss Joe a and his staff, real nice people and very kind. I guess Heritage is going another direction. Sad, they don't care about us anymore.Thinking about going another direction myself. Do yourself a favor and shop around.


Health Grade Components

NCUA #68395
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.19%
Return on Equity - YTD1.95%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$205.3MM$200.2MM
LoansQ1 2016vs Q1 2015$135.3MM$116.1MM
DepositsQ1 2016vs Q1 2015$181.1MM$179.8MM
Equity CapitalQ1 2016vs Q1 2015$20.1MM$19.4MM
Loan Loss AllowanceQ1 2016vs Q1 2015$1.0MM$870.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$742.00K$595.00K
Real Estate OwnedQ1 2016vs Q1 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heritage Community Credit Union Savings Account Rates

0.05%--Youth Savers Club
0.05%--Junior Savers' Club
0.05%--Holiday Club
0.05%$200-Basic Savings
0.05%$200-Business Savings
0.05%$200-Trustee Savings
0.05%--IRA Savings
0.05%--Roth IRA Savings
0.05%--Coverdell Education IRA Savings

Heritage Community Credit Union Money Market Rates

0.22%*$1m*-IRA Diamond Select Money Market
OTHER TIERS: 0.10% Up to $25k | 0.12% $25k - $50k | 0.15% $50k - $100k | 0.17% $100k - $200k | 0.18% $200k - $1mm
0.22%*$1m*-Diamond Select Money Market
OTHER TIERS: 0.10% Up to $25k | 0.12% $25k - $50k | 0.15% $50k - $100k | 0.17% $100k - $200k | 0.18% $200k - $1mm
0.20%*$1m*-Business Select Money Market
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $50k | 0.15% $50k - $1mm
0.15%*$25k*-Diamond Money Market
OTHER TIERS: 0.08% Up to $5k | 0.10% $5k - $10k | 0.12% $10k - $25k
0.15%*$25k*-IRA Diamond Money Market
OTHER TIERS: 0.08% Up to $5k | 0.10% $5k - $10k | 0.12% $10k - $25k
0.10%*$10k*-Business Money Market
OTHER TIERS: 0.05% Up to $10k

Heritage Community Credit Union Checking Account Rates

3.00%*-$15kiProfit Checking
OTHER TIERS: 0.01% $15k+

Heritage Community Credit Union CD Rates

1.36%$1k-5 Year Share Certificate
1.16%$1k-4 Year Share Certificate
0.85%$1k-3 Year Share Certificate
0.45%$1k-2 Year Share Certificate
0.30%$1k-1 Year Share Certificate
0.30%--1 Year Wealth Builder Share Certificate
0.20%$1k-6 Month Share Certificate
0.05%$1k-3 Month Share Certificate

Heritage Community Credit Union IRA Rates

1.36%--5 Year IRA Share Certificate
1.16%--4 Year IRA Share Certificate
0.85%--3 Year IRA Share Certificate
0.45%--2 Year IRA Share Certificate
0.30%--1 Year IRA Share Certificate

Heritage Community Credit Union Locations
Branch Office10339 Folsom Blvd Ste ARancho Cordova, CA 95670-3518
Branch Office5329 Sunrise BlvdFair Oaks, CA 95628-3539
Branch Office707 E Bidwell StFolsom, CA 95630-3341
Branch Office10415 Old Placerville RdSacramento, CA 95827-2508
Branch Office10399 Old Placerville RdSacramento, CA 95827-2506
Branch Office2155 Golden Centre LnGold River, CA 95670-4477