Heritage Community Credit Union


Overview / Commentary
916-364-1700
10415 Old Placerville Rd
Sacramento, CA 95827

Heritage Community Credit Union is headquartered in Sacramento and is the 116th largest credit union in the state of California. It is also the 1,104th largest credit union in the nation. It was established in 1953 and as of December of 2021, it had grown to 42 employees and 11,859 members at 4 locations. Heritage Community Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Heritage Community Credit Union is open to those who live, work, worship, or attend school in the California counties of El Dorado, Placer, Sacramento, San Joaquin, or Yolo. Any California resident who is a member of the affiliated organization, the Financial Fitness Association, is also eligible for membership.
See current membership details

Reviews (1)

Worst Service Of Any Bank

Posted by: |

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.



Health

Health Grade Components

Overall
NCUA #68395
Year Chartered1953
Employees42
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD4.82%
Annual Interest Income$6.3MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$249.0MM$236.9MM
LoansQ4 2021vs Q4 2020$177.8MM$180.7MM
DepositsQ4 2021vs Q4 2020$223.5MM$209.7MM
Equity CapitalQ4 2021vs Q4 2020$21.6MM$20.6MM
Secondary CapitalQ4 2021vs Q4 2020$2.0MM
Loan Loss AllowanceQ4 2021vs Q4 2020$1.8MM$2.6MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$1.0MM$1.2MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Heritage Community Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$50kKasasa Saver
OTHER TIERS: 0.01% $50k+
0.04%--Holiday Club
0.04%$200-Basic Savings
0.04%--IRA Savings

Heritage Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$10k*-IRA Diamond Money Market
OTHER TIERS: 0.20% Up to $10k
0.25%*$10k*-Money Market Accounts
OTHER TIERS: 0.20% Up to $10k

Heritage Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*-$25kKasasa Cash
OTHER TIERS: 0.01% $25k+

Heritage Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
10.00%$1$1k12 Month Share Certificate - Exclusive Special (New Accounts)
1.11%$1k-5 Year Share Certificate
0.95%$1k-3 Year Share Certificate
0.95%$1k-4 Year Share Certificate
0.85%$1k-2 Year Share Certificate
0.75%$1k-1 Year Share Certificate
0.75%$25-1 Year Wealth Builder Share Certificate
0.25%$1k-6 Month Share Certificate
0.20%$1k-3 Month Share Certificate

Heritage Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.11%$100-5 Year IRA Share Certificate
0.95%$100-3 Year IRA Share Certificate
0.95%$100-4 Year IRA Share Certificate
0.85%$100-2 Year IRA Share Certificate
0.75%$100-1 Year IRA Share Certificate
Locations


Heritage Community Credit Union Locations
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 Office2155 Golden Centre LnGold River, CA 95670-4477

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