P O BOX 790
Rancho Cordova, CA 95741
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.03% 0.95% →
1-Year CD 0.30% 1.01% →
2-Year CD 0.35% 0.95% →
5-Year CD 0.55% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Heritage Community is an NCUA insured institution located in Rancho Cordova, CA. It was founded in 1953 and has approximately $212.17 millions in assets.

Who is eligible for membership at HCCU?

Anyone who lives, works, worships or attends school in Sacramento or Placer Counties.

NCUA Insured Yes
Charter Number # # 68395
Date Established 1953
Assets $212.17 million
Loans $181.69 million
Deposits $190.87 million
Capital $20.48 million

Field of Membership Restrictions

Membership in Heritage Community Credit Union is open to those who live, worship, work, or attend school in Placer or Sacramento Counties in California.

Deposit Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.03% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.10% $10,000 $14,999 Learn More
3 Mo CD
0.10% $100,000 $199,999 Learn More
6 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.15% $100,000 $199,999 Learn More
12 Mo CD
0.30% $10,000 $14,999 Learn More
12 Mo CD
0.30% $100,000 $199,999 Learn More
24 Mo CD
0.35% $10,000 $14,999 Learn More
24 Mo CD
0.35% $100,000 $199,999 Learn More
36 Mo CD
0.40% $10,000 $14,999 Learn More
36 Mo CD
0.40% $100,000 $199,999 Learn More
48 Mo CD
0.50% $10,000 $14,999 Learn More
48 Mo CD
0.50% $100,000 $199,999 Learn More
60 Mo CD
0.55% $10,000 $14,999 Learn More
60 Mo CD
0.55% $100,000 $199,999 Learn More

Loan Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for HERITAGE COMMUNITY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.664% 2.625% 0.50 $1,285 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Heritage Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Heritage Community Locations

Financial Details

Heritage Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Heritage Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Heritage Community U.S. Average
7.69% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Heritage Community had $1,379,557 in non-current loans and $311,600 in owned assets. To cover these potential losses it had $20,475,239 in net worth and $1,520,995 in loans loss reserves. That gives it a Texas Ratio of 7.69%.

Net Worth
Heritage Community U.S. Average
9.65% 13.61%

Heritage Community FCU has a net worth of 9.65% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Heritage Community

Branches and Savings

What is Heritage Community?

A federal credit union, registered with the NCUA under certificate #68395.
Learn more about credit unions here.

Is Heritage Community FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Heritage Community?

Please see Field of Membership information above for information on who is eligible to join.

What are Heritage Community's share account and share certificate rates?

Heritage Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Heritage Community?

Heritage Community has total capital of $20.48 million. Full information on Heritage Community's financial position is located above.

Who owns Heritage Community?

Credit Unions are owned by their members.

Where are Heritage Community branches located?

See branch locations nearby.

Are Heritage Community ATMs Open 24/7?

Do Heritage Community ATMs accept cash deposits?

Can Heritage Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Heritage Community have a mobile app?

Does Heritage Community have mobile deposit?

Does Heritage Community have quick pay?

How can Heritage Community transfer money to other banks or credit unions?

Does Heritage Community report to credit bureaus?

Does Heritage Community use Chexsystems?

Does Heritage Community use Equifax?

What is Heritage Community's toll free phone number?

What is Heritage Community's ACH Routing Number?

What is Heritage Community's SWIFT code?

Where can I find Heritage Community's wire transfer form?

What is the Heritage Community address for deposits?

What Products Does Heritage Community Offer

Does Heritage Community offer mortgages?

Compare mortgage rates here.

Does Heritage Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Heritage Community offer auto and RV loans?

Compare auto loan rates here.

Does Heritage Community offer student loans or personal loans?

Compare personal loan rates here.

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