Heritage Community CU (CA) Adds Kasasa Cash


Deal Summary: Kasasa Cash, 2.25% APY up to $25k.

Availability: Residents of Placer and Sacramento Counties, California.

Heritage Community Credit Union (HCCU) has added a new Kasasa Cash account that earns 2.25% APY on qualifying balances up to $25k. Qualifying balances of $25k+ earn 0.1998% APY, with non-qualifying balances earning 0.05% APY.

1.76*%-$25kHeritage Community Credit UnionKasasa Cash
OTHER TIERS: 0.01% $25k+
Rates as of January 26, 2022.

Monthly Kasasa Cash Qualifying Requirements

  • Have at least 12 debit card purchases.
  • Sign into ehccu-online, Mobile ebanking, or text banking at least once.

The Kasasa Cash account has no monthly service fee or minimum balance requirement, but does require a $25 opening deposit. If monthly qualifying requirements are met, ATM fees will be reimbursed up to an aggregate total of $20. There is a limit of one Kasasa Checking account per Social Security number.

Most Rewards Checking Accounts make receiving eStatements one of the qualifying requirements, but I’ve never seen it worded like the fine print on the promotion page,

Failure to maintain monthly enrollment in eStatements
will require the closure of your Kasasa Cash account.

Kasasa Saver

There is a companion Kasasa Saver account, but once again, I’m disappointed by the rate: 0.50% APY on balances up to $50k, if the Kasasa Cash qualifying requirements are met. Qualifying balances of $50k+ earn 0.1998% APY, with non-qualifying balances earning 0.05% APY. Like the Kasasa Cash account, it has no monthly service fee or minimum balance requirement, but only requires a $10 minimum opening deposit.

0.35*%-$50kHeritage Community Credit UnionKasasa Saver
OTHER TIERS: 0.01% $50k+
Rates as of January 26, 2022.


Headquartered in Sacramento, Heritage Community Credit Union’s field of membership (FOM) is residency based, with individuals who live, work, worship, or attend school in the California counties of Placer or Sacramento eligible to join.

Joining HCCU and opening a Kasasa Cash account requires a visit of any of five California branches, located in Fair Oaks, Folsom, Gold River, and Sacramento (2).

HCCU’s online banking platform is currently limited to account management and bill payment services.

HCCU is also a member of the CO-OP Network, providing members with access to more than 5,000 branches nationwide.

Credit Union Overview

Heritage Community Credit Union has an overall health rating of "B+" at DepositAccounts.com, with a Texas Ratio of 7.31% (excellent) based on December 31, 2016 data. In the past year, HCCU has increased its total non-brokered deposits by $1.48 million, an above average annual growth rate of 0.84%. Please refer to our financial overview of Heritage Community Credit Union (NCUA Charter # 68395) for more details.

In 1953, seven civilians employees at Mather Air Force Base (Mather AFB) saw a need for better financial services on base and began the Mather Federal Credit Union. Eventually, the Credit Union would serve both military and civilian personnel. Mather AFB was slated for closure in 1993, but the Credit Union “vowed they would remain open, regardless of the final disposition of the base.” In an effort to keep its doors open, the Credit Union began to add local employer groups to the FOM and completed several mergers to strengthen the membership.

These efforts and our ability to withstand the effects of the closure of Mather Air
Force Base, earned Mather Federal the distinction of "Federal Credit Union of the
Year," as named by the National Association of Federal Credit Unions (NAFCU).

In 1999, the name was changed to Heritage Community Credit Union when the charter was converted to a state community charter. HCCU currently has more than 13,200 members and assets in excess of $202 million.

How the Kasasa Cash Compares

When compared to the 29 High Yield Reward Checking Accounts tracked by DepositAccounts.com that are available within the FOM and have maximum qualifying balances of at least $25k, Heritage Community Credit Union’s Kasasa Cash APY currently ranks second.

The above rates are accurate as of 5/27/2017.

To look for the best Reward Checking Account rates, both nationwide and in your state, please refer to our High Yield Reward Checking Account rates table or our Rates Map page.

Related Pages: Sacramento checking accounts, reward checking accounts

Josh Dresslove
  |     |   Comment #1
Prior to this they offered a 3.00% iProfit checking account with a limit of $15,000 and similar maintenance requirements.
Heritage Community Credit Union (CA) Has 15-Month CD Special
Availability: Residents of Placer and Sacramento Counties, California.

Heritage Community Credit Union (HCCU) has opened a new branch in Gold River and is offering a 15-month Certificate Special (5.00% APY) to mark the occasion. While the 5% APY is certainly eye-catching, there is a $5k maximum balance cap, which diminishes the allure of the APY. The Certificate Special can be opened with a minimum deposit of $500.

The 15-month Certificate Special is only available to new members who join HCCU at the Gold River branch. It also...

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7.00% 7-Month CD at a California CU ($7K Max)
Heritage Community Credit Union is offering a CD special called the Magnificent Seven Certificate. It's a 7% APY 7-month CD with a minimum and maximum deposit of $7K. Money must be new to the credit union. The certificate special expires 7/27/06.

One thing nice about this CD special is that it doesn't require you to open a checking account which seems common for very-high yield CD specials. The 7% APY is about 1.4% higher than World Savings current 5.61% 7-month CD. So the extra 1.4% for 7-months on $7K will earn...

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