Heritage Community Credit Union Fair Oaks CA | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Heritage Community, where our commitment to your financial well-being shines brightly. Located at 5329 Sunrise Blvd, Fair Oaks, CA 95628, we have proudly served our community since 1953. With a strong foundation of trust and reliability, we cater to over 10,558 members with a total asset value of $266,261,114. At Heritage Community, we believe in making banking accessible and straightforward. Whether you're seeking personal banking solutions like checking and savings accounts or looking for options to finance your next vehicle with our total loans and leases reaching 8,253, we're here for you every step of the way. Our dedicated team of 44 employees, led by CEO Ed Turk and Board President Bobbi Beehler, is committed to providing exceptional service tailored to meet your unique needs. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: P O Box 790, Rancho Cordova, CA 95741-0790. We invite you to explore our comprehensive range of services from auto loans and mortgages to business banking solutions all designed with you in mind. With total deposits amounting to $12,034,362 and a solid net worth of $26,900,139, Heritage Community stands strong as a pillar of financial support in Fair Oaks. We encourage you to reach out via phone at 916-364-3060 or visit our website at heritageccu.com for more information about how we can assist you in achieving your financial goals. Join us today and experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

Heritage Community has been a pillar of support in the Fair Oaks community since its inception in 1953. Established to empower local residents through accessible financial services, our branch has grown alongside the vibrant community it serves. With an unwavering commitment to member satisfaction, we have become a trusted partner for over 10,500 members, helping them achieve their financial goals while fostering a spirit of community. Located at 5329 Sunrise Blvd, Fair Oaks, CA 95628, our branch is easily accessible and surrounded by familiar landmarks that many locals know well. Whether you're shopping nearby or enjoying a day out at a local park, we're just a short walk away. While members can visit us at this location for all their banking needs, official correspondence should be sent to our mailing address: P.O. Box 790, Rancho Cordova, CA 95741-0790. Our mission is simple yet impactful: to provide quality financial services while enhancing the lives of our members and strengthening our community. We believe in being more than just a financial institution; we are dedicated to supporting local initiatives and building lasting relationships with those we serve. Our range of services includes personal banking, auto loans, mortgage financing, business banking solutions, and online banking options designed with your convenience in mind. As we reflect on our history and look toward the future, Heritage Community remains focused on innovation and accessibility. Our commitment to digital advancements ensures that you can manage your finances effortlessly from anywhere. Whether it's through online banking or mobile payments, we strive to meet the evolving needs of our members while maintaining ADA compliance for everyone's convenience. Community outreach is at the heart of what we do. We actively partner with local organizations and participate in events that uplift our neighbors and strengthen ties within Fair Oaks. Our efforts not only help build a better community but also foster trust and loyalty among our members. With total assets exceeding $266 million, we are well-positioned to continue serving our members effectively. We invite you to experience the benefits of joining Heritage Community. Whether you're looking for straightforward banking solutions or personalized financial advice, we're here for you every step of the way. If you're ready to take control of your financial future and become part of something greater than just banking, visit us today or call us at 916-364-3060. Join Heritage Community and discover how together, we can achieve more!

Branch Location & Accessibility

Operating Hours

We want to be available when you need us most! Our lobby hours are designed for your convenience: join us Monday and Friday from 9:00 AM to 6:00 PM, Tuesday through Thursday from 10:00 AM to 6:00 PM, and Saturday from 9:00 AM to 2:00 PM. We're here to help with everything from checking and savings accounts to mortgage loans and credit cards with rewards.

Services Offered

At Heritage Community Credit Union, we offer a range of services tailored just for you. Enjoy hassle-free access to an ATM on-site for quick cash withdrawals and balance checks whenever needed. While we don't currently offer drive-thru service or shared service centers at this location, our friendly staff is always ready to assist you inside the branch. Feel free to reach out at 916-364-3060 if you have any questions or want more information about our offerings. We look forward to welcoming you soon!

Member Eligibility

At Heritage Community, we believe that becoming a member is like joining a family where you can thrive together. We welcome individuals who live, work, worship, or attend school in the Fair Oaks area to join our community. It's a simple and inclusive process! With just a few easy steps, you can open an account and start enjoying the benefits of membership, including personalized service and competitive rates on loans and savings. To find out more about who can join and what you'll need to get started, please check our eligibility criteria at this link. If you have any questions or need assistance, don't hesitate to reach out to us at 916-364-3060. We're excited to help you take this step toward financial wellness at our branch located at 5329 Sunrise Blvd, Fair Oaks, CA 95628!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, we offer comprehensive merchant services that simplify transactions for your business. Imagine a customer walking into your store, making a purchase effortlessly with a tap of their card or phone. Our merchant services ensure you can accept payments quickly and securely, enhancing customer satisfaction and boosting sales. Located at 5329 Sunrise Blvd Fair Oaks Ca 95628 in Fair Oaks, CA, our team is ready to assist you in achieving your business goals. For inquiries, call us at (916) 364-3060. Let's grow together!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Business Banking Services

For small business owners, we offer specialized business banking solutions including merchant services and business loans. These tools are designed to support your entrepreneurial journey, providing the financial backing you need to grow your business.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options that allow you to manage your accounts anytime, anywhere. With features like mobile payments, person-to-person transfers, and electronic statements, handling your finances has never been easier. Our members also benefit from access to ATMs for cash withdrawals and balance checks without any hassle. At Heritage Community, we pride ourselves on making banking simple and accessible for everyone in Fair Oaks and beyond. Our friendly staff is always ready to assist you with any questions or concerns you may have. If you're ready to explore how our services can support your financial journey, give us a call at 916-364-3060 or visit us at our branch. We look forward to helping you achieve your financial dreams!

Personal Banking Solutions

We understand that managing your finances can be challenging, which is why our personal banking options are designed with you in mind. Our checking and savings accounts offer flexible features to help you save and manage your money effectively. If you're in the market for a new vehicle, our auto loans and vehicle financing options provide competitive rates that make purchasing a car more accessible. Additionally, our mortgage loans and refinancing services help you secure a home loan or adjust your existing mortgage to better suit your budget. Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play, offering a lifeline when you need it most. Plus, with our credit cards featuring rewards, you can earn points on everyday purchases while enjoying the convenience of cashless transactions.

Digital & Online Banking

Convenient Online Banking

Our online banking services at https://www.heritageccu.com/ allow you to check your account balances, view transactions, and pay bills with just a few clicks. Enjoy 24/7 access to your financial information without the need to visit a branch. Whether you're at home or on the go, managing your money has never been simpler.

Mobile Banking at Your Fingertips

With our mobile application, available for download now, you can manage your accounts directly from your smartphone. Make deposits, transfer funds, and even make person-to-person payments easily. Our mobile payments feature lets you pay for purchases quickly and securely using just your phone.

Real-Time Account Management

Stay updated on your finances with real-time account management tools. Our platform is designed to help you keep track of every dollar effortlessly. Whether you're setting a budget or planning for future expenses, you'll find everything you need in one convenient place. At Heritage Community, we're committed to making banking as straightforward and accessible as possible. Experience the ease of digital banking today!

Secure and Efficient Transactions

We prioritize your security with electronic signature authorization for various transactions, ensuring that all your dealings are safe and verified. Plus, our e-statements keep you organized and reduce paper clutter while allowing you to view your statements online whenever you need them.

Financial Strength

Commitment to Growth

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 lending capacity supports your financial goals with $2,844 in used auto loans and $222,604,995 in total loans and leases.

Member-Centric Savings Options

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 focus 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.

Strong Financial Health

With a net worth of $26,900,139, we maintain robust 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.

Trustworthy Partnership

Total Share and Deposit Accounts stand at 21,925, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $0, further underscoring our commitment to supporting your needs. 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) 364-3060 to learn more about how we can help you achieve your financial goals.

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. We understand how important it is to have reliable transportation, and our team is ready to assist you in finding the right financing solution.

Credit Card Options

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 rewards that can enhance your purchasing power while providing peace of mind through competitive interest rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $53,307,677. Whether you're a first-time buyer or looking to refinance your existing mortgage, our knowledgeable staff can guide you through the process.

Loan Aggregator

Benefits of Using LendMesh

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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 compliance ensures that all offers are fair and transparent. By relying on verified financial institutions, LendMesh guarantees that the data presented is not only accurate but also trustworthy.