Heritage Community Credit Union Fair Oaks CA | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Heritage Community, your trusted financial partner located at 5329 Sunrise Blvd, Fair Oaks, CA 95628. Since our establishment in 1953, we have proudly served our community with a commitment to providing exceptional financial services tailored to meet the diverse needs of our members. With over 10,558 members and total assets reaching an impressive $266,261,114, we are dedicated to fostering financial well-being and growth for everyone in our community. At Heritage Community, we understand that financial decisions can be overwhelming. That's why our team of friendly professionals is here to guide you every step of the way. Under the leadership of our CEO, Ed Turk, and Board President, Bobbi Beehler, we strive to create a welcoming atmosphere where you feel valued and supported. While members can visit us at our branch location, official correspondence should be sent to our mailing address: P O Box 790, Rancho Cordova, CA 95741-0790. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. Our services also extend to business banking with merchant services and business loans designed to help local businesses thrive. With total deposits amounting to $12,034,362 and a net worth of $26,900,139, you can trust that your finances are in safe hands. We also maintain a healthy cash reserve of $1,233,720 to ensure stability and security for our members. We invite you to explore how Heritage Community can help you achieve your financial goals. Feel free to reach out at (916) 364-1700 or visit us online at heritageccu.com for more information on how we can assist you today!

Branch History & Mission

Heritage Community has proudly served the Fair Oaks community since its establishment in 1953. Over the years, we have grown from a small credit union into a trusted financial partner for over 10,558 members. Located at 5329 Sunrise Blvd, Fair Oaks, CA 95628, our branch stands as a testament to our commitment to providing exceptional financial services and fostering community relationships. From humble beginnings, Heritage Community has continually adapted to meet the evolving needs of its members. Our mission is clear: to empower our members through accessible financial services while actively supporting the communities we serve. We believe that everyone deserves a chance to thrive financially, and we strive to make that possible through our wide range of products from personal banking solutions like checking and savings accounts to auto loans and mortgages. Our total assets now exceed $266 million, reflecting not just our growth but also the trust placed in us by our members. With dedicated staff who are passionate about helping you achieve your financial goals, we offer personalized service every step of the way. Whether you're looking for mortgage refinancing or debt consolidation, we're here to guide you on your journey. At Heritage Community, we understand that convenience matters. Our operating hours are designed with you in mind open Monday through Friday from 9:00 AM to 6:00 PM ensuring that you can access our services when you need them most. For those who prefer digital options, we offer robust online and mobile banking features including e-statements and mobile payments. Community involvement is at the heart of our mission. We actively participate in local events and initiatives aimed at uplifting our neighbors and enhancing the quality of life in Fair Oaks. Our partnerships with local organizations reflect our commitment to making a positive impact beyond just banking. While members can visit us at 5329 Sunrise Blvd Fair Oaks Ca 95628, official correspondence should be sent to P O Box 790, Rancho Cordova, CA 95741-0790. If you're looking for an ATM, we have convenient access available for your needs. As we look toward the future, we invite you to join us at Heritage Community. Experience firsthand how we prioritize your financial well-being while supporting our beloved community. Together, let's create a brighter financial future! For more information or to become a member today, call us at (916) 364-1700 or visit us online at heritageccu.com.

Branch Location & Accessibility

Welcome to Heritage Community, your friendly neighborhood credit union located at 5329 Sunrise Blvd in Fair Oaks, California. We're proud to serve our members with convenience and accessibility right in the heart of Sacramento County. Our branch is easy to find, just a stone's throw away from popular spots like the Fair Oaks Park and the Sunrise Mall, making it a perfect stop for your banking needs while you're out and about. Our location is designed with you in mind. There's ample parking available for all our visitors, ensuring that you can access our services without any hassle. If you need assistance, our branch is fully ADA compliant, featuring ramps and accessible entrances so everyone can feel welcome. At Heritage Community, we value your time. Our lobby hours are Monday through Friday from 9:00 AM to 6:00 PM, giving you plenty of opportunities to drop by after work or during lunch breaks. Whether you're looking to open a new account, discuss loans, or simply ask questions about our services, our friendly staff is here to help! In addition to personalized service inside the branch, we also offer ATM services for quick cash withdrawals and balance checks anytime you need them. While we do not currently have drive-thru banking available, we are dedicated to providing efficient in-branch service. For any official correspondence, please note that our mailing address differs slightly: P.O. Box 790 in Rancho Cordova. This ensures that all your important documents reach us safely. Don't hesitate to reach out! Give us a call at 916-364-1700 if you have any questions or if you'd like more information about what we offer. We invite you to visit Heritage Community and experience how banking can be both personal and convenient!

Member Eligibility

At Heritage Community, we believe that everyone deserves a supportive financial family. Joining us as a member is simple and welcoming! If you live, work, worship, or attend school in our community or have a family member who is already a member, you're likely eligible to join. This means that many people can benefit from our personalized services and friendly atmosphere. By becoming a part of Heritage Community, you'll not only gain access to a range of financial products like checking accounts, auto loans, and mortgages but you'll also enjoy the advantages of being part of a cooperative that prioritizes your needs. To get started on your membership journey, we invite you to check out more details about eligibility at this link. Our team is here to guide you through the account opening process, making it easy and straightforward. If you have any questions or need assistance, feel free to reach out at 916-364-1700. We can't wait to welcome you into our community at 5329 Sunrise Blvd, Fair Oaks, CA 95628!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $96,897, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having the ability to accept payments seamlessly from customers while managing your cash flow effectively. Our merchant services empower you to do just that. From credit card processing to online payment solutions, we help you streamline transactions so you can focus on what matters most growing your business. Visit us at 5329 Sunrise Blvd, Fair Oaks, CA 95628 or call us at 916-364-1700 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Planning to buy a new car or refinance your existing auto loan? Our auto loans offer flexible terms and competitive rates that can fit into any budget. Picture driving off in that new vehicle knowing you secured a great deal with a loan that makes sense for your wallet.

Business Banking Services

For our business members, we offer tailored services including merchant services and business loans. Running a business is no small task; let us help ease the burden with tools and resources designed specifically for entrepreneurs like you.

Connect With Us

We invite you to explore all the ways Heritage Community can serve you better. For inquiries or assistance, don't hesitate to call us at 916-364-1700 during our lobby hours from 9:00 AM - 6:00 PM on weekdays. Visit us online at heritageccu.com for more information about our services and how we can assist you in achieving your financial goals!

Credit Cards with Rewards

Our credit cards don't just come with great features; they also offer rewards! Whether you want to earn points for travel or cashback on everyday purchases, we have options that fit various lifestyles. Think of how rewarding it could be to earn benefits while spending wisely.

Digital Banking Convenience

In today's busy world, convenience is key. That's why we offer robust online and mobile banking platforms. From managing accounts to transferring money instantly through person-to-person services, everything is just a few clicks away. Plus, with our ATM services available, withdrawing cash is simple and straightforward whenever you need it.

Mortgage Loans & Refinancing

Homeownership is within reach at Heritage Community. We provide mortgage loans and refinancing options that cater to first-time homebuyers as well as seasoned homeowners looking for better terms. Our team can guide you through the process, making it straightforward and stress-free.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking options are designed to help you manage your finances effortlessly. Imagine setting up an automatic transfer from your checking account to your savings, helping you reach your goals faster. With our competitive interest rates, your money will work harder for you.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the relief you need. Imagine simplifying multiple payments into one manageable monthly bill while enjoying lower interest rates it's all possible here!

Digital & Online Banking

Key Features

Security is our top priority. With electronic signature authorization available, signing important documents has never been safer or easier. Plus, you can enjoy peace of mind knowing that your transactions are protected with the latest security measures. If you're always on the move, you'll love our mobile application. It allows you to manage your accounts right from your smartphone. You can even make mobile payments effortlessly and send money to friends and family with our person-to-person transfer feature no need for cash or checks! Whether you prefer e-statements for easy tracking of your transactions or want quick access through our mobile app, Heritage Community ensures you're always connected to your financial world in a way that's convenient for you. Embrace the ease of digital banking today!

Financial Strength

Growing Member Base

Total Share Accounts stand at 21,925, showcasing a strong and growing member base that trusts us with their finances. This trust strengthens our community ties and reinforces our mission to serve you better every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Heritage Community is your trusted partner. Visit us at 5329 Sunrise Blvd Fair Oaks Ca 95628 or call (916) 364-1700 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $24,857,570 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is evident with $2,844 in used auto loans and $222,604,995 in total loans and leases, supporting your financial goals across various sectors.

Member Savings and Growth

Members' savings are secured through $49,434,773 in share certificates and $42,529,011 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $9,664,847, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 42 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With net shares available for lending at $0, you can rest assured that we're equipped to meet your needs.

Solid Financial Health

With a net worth of $26,900,139, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,010 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $43,429,978 in used vehicle loans and $15,424,740 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable used car, we've got you covered with flexible financing options.

Credit Lines

Need extra cash for unexpected expenses? Our total credit lines amount to $39,370,190, providing you with quick access to funds when you need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Property loans totaling $53,307,677, helping you take that important step toward owning your home.

Refinancing and Eligibility

If you're looking to refinance an existing loan or explore eligibility options for any of our products, our team is here to assist you every step of the way. We aim to make the borrowing process straightforward and stress-free. At Heritage Community, we are committed to supporting your financial success with personalized service and competitive rates. For more details on our loan offerings or to apply today, visit us online at heritageccu.com or give us a call at 916-364-1700. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

Managing everyday expenses? We also offer flexible terms on unsecured credit card loans, with a total of $775,362 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and no hidden fees.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This approach ensures that all offers presented are fair and transparent. By relying on verified financial institutions, LendMesh guarantees that users receive accurate information when comparing loan options.

Take Action Today

Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*