Heritage Community Credit Union

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A short history of Heritage Community CU

Since its inception in 1953 the Heritage Community Credit Union has been serving its members in the RANCHO CORDOVA, California area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Ed Turk, the Heritage Community CU has grown its membership to over 13,290 with assets of more than $201,823,156. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (916) 364-1700 or email them at hccu@heritageccu.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in RANCHO CORDOVA, CA.

General Information For Heritage Community CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 68395
Address P O BOX 790 
State California 
Zip-Code 95741
Phone Number (916) 364-1700
Fax Number (916) 364-3791
Email Address: hccu@heritageccu.com
CEO/President Ed Turk
Members 13,290 
Full-Time Employees 40 
Part-Time Employees
Number of Branch Offices
Total Assets 201,823,156 
Website http://www.heritageccu.com 

Compare Heritage Community Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Vision One CU Corporate/Main 3279 Ramos Cir 95827 (916) 363-4293 No 0.98
Cahp CU Southern Branch 9471 Pittsburgh Ave 95827 (909) 599-9976 No 4.42
The Golden 1 CU Ione 339 Preston Ave 95827 (916) 732-2900 No 4.61
California Community CU Modesto 3600 Sisk Rd Ste 4L 95356 (209) 544-3971 No 4.74
Safe CU Hazel 5261 Hazel Ave 95628 (916) 979-7233 No 6.41

Heritage Community Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Heritage Community Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 3.86 3.64 3.90 5.42
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 258 163 126 280
Rank Among All California Credit Unions N/A 103 73 46 93

Heritage Community Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.17 0.08 0.18 0.81 0.35
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 105 134 120 204 250
Rank Among All California Credit Unions 15 40 37 53 67
Heritage Community Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 15.3608341,259,097
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.8606,88064,628,062
Used Vehicle Loans 3.6401,84028,913,398
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.90066843,560,624
Total Other Real Estate Loans/Lines of Credit 5.4202466,998,280
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.54092820,296,417
TOTAL LOANS & LEASES 11,396165,655,878

Heritage Community Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 53925,556,67261,180,500
    b. 15 Years or less 1118,034,9244484,000
    a. > 15 years 11,936,82400
    b. 15 Years or less 1861,47500
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 2125,85800
Adjustable Rate > 1 yr 147,044,87100


Closed-End Fixed Rate 1323,847,6008500,500
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1143,150,6809244,250
Open-End Fixed Rate 0000
TOTALS 91450,558,904272,409,250


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Heritage Community Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes