Heritage Community Credit Union Folsom CA | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to Heritage Community at our Folsom branch, located conveniently at 707 E Bidwell St, Folsom, CA 95630. Since opening our doors in 1953, we've been dedicated to serving our community with trust and reliability. With a proud membership of over 10,558 individuals, we focus on providing personalized financial solutions that empower you to achieve your goals. At Heritage Community, we understand the importance of your hard-earned money. That's why we manage total assets of $266,261,114, ensuring that your deposits currently totaling $12,034,362 are not just safe but also working for you. Our strong net worth of $26,900,139 reflects our commitment to stability and growth for all members. Our friendly team of 44 employees, led by CEO Ed Turk and Board President Bobbi Beehler, is here to assist you with various services including personal banking, auto loans, mortgages, and business banking solutions. Whether you're looking to finance a new vehicle or need help managing your finances through online and mobile banking options, we are here to help. While members can visit us at our Folsom address for all their banking needs, any official correspondence should be sent to our mailing address: P O Box 790, Rancho Cordova, CA 95741-0790. We invite you to explore the many ways Heritage Community can support you on your financial journey. Feel free to give us a call at 916-364-3020, or visit our website at heritageccu.com for more information. Your financial success is our priority!

Branch History & Mission

Heritage Community has been a pillar of support and trust in the Folsom community since it first opened its doors in 1953. Located at 707 E Bidwell St, Folsom, CA 95630, our branch is more than just a financial institution; it represents a rich legacy of growth, service, and commitment to our members. Over the decades, we have seen our membership grow to over 10,558 individuals who rely on us for their banking needs. Our mission is straightforward yet impactful: to provide our members with exceptional financial services while fostering community well-being. We understand that each member's journey is unique, and we strive to offer personalized solutions that meet their financial goals. From checking and savings accounts to auto loans and mortgages, we are here to support our members every step of the way. As we look back on our history, we are proud of how we've evolved with technology while maintaining our commitment to face-to-face service. Our branch offers modern conveniences such as online banking and mobile payments alongside traditional services like ATM access available at our location. Although we do not have drive-thru service, we ensure that every visit to Heritage Community is welcoming and efficient. We take pride in being part of the Folsom community. Our partnerships with local organizations reflect our dedication to making a positive impact beyond banking. Whether it's through sponsoring local events or supporting educational initiatives, Heritage Community believes in giving back to those who support us. For any official correspondence, please send your mail to P O Box 790, Rancho Cordova, CA 95741-0790. Join us today at Heritage Community! Experience firsthand the benefits of being a member-focused credit union where your financial health truly matters. If you have questions or want to learn more about how we can assist you, give us a call at 916-364-3020. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to the Heritage Community branch located at 707 E Bidwell St in beautiful Folsom, CA! We take pride in being conveniently situated near local landmarks, making it easy for you to find us. Whether you're coming from the bustling downtown area or nearby parks, our location is designed to be accessible and welcoming to all members of our community. At Heritage Community, we understand that accessibility matters. Our branch is equipped with features that cater to everyone, including ADA-compliant entrances and ample parking for your convenience. If you need any assistance during your visit, our friendly staff is always ready to help. Our operating hours are tailored to fit your busy schedule. You can visit us on Mondays and Fridays from 9:00 AM to 6:00 PM, or come by on Tuesday, Wednesday, and Thursday when we open a little later at 10:00 AM and close at 6:00 PM. On Saturdays, we're here for you from 9:00 AM until 2:00 PM. Feel free to give us a call at 916-364-3020 if you have any questions or need assistance. For those looking for added convenience, we have an ATM available on-site for quick cash withdrawals and balance checks. While we currently do not offer drive-thru banking services or shared service centers, our in-branch experience is designed to provide everything you need in one visit. If you prefer sending correspondence through the mail, please note that official documents should be sent to our mailing address at P O Box 790, Rancho Cordova, CA 95741-0790. We invite you to stop by and explore the range of personal and business banking services we offer from checking and savings accounts to auto loans and credit cards with rewards. At Heritage Community, we're dedicated to helping you achieve your financial goals in a warm and friendly atmosphere. We can't wait to see you!

Member Eligibility

At Heritage Community, we believe that becoming a member means joining a warm and supportive family. If you're looking to enjoy personalized banking services and community-focused benefits, membership could be just for you! To qualify for membership at our Folsom branch located at 707 E Bidwell St, you generally need to live, work, worship, or attend school in our service area, or have a family member who is already a member. This inclusive approach makes it easy for you to connect with us and take advantage of our various financial products and services. Opening an account is a simple process designed with you in mind. You can visit us during our lobby hours or call us at 916-364-3020 if you have any questions or need assistance. For more detailed eligibility criteria, feel free to check out this resource. We can't wait to welcome you into the Heritage Community family!

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to loans, we offer merchant services that simplify transactions and enhance customer satisfaction. Imagine being able to process payments seamlessly, whether in-store or online. Our services allow you to focus on what you do best running your business while we handle the payment details. Visit us at 707 E Bidwell St Folsom Ca 95630 in Folsom, CA or call us at (916) 364-3020 to learn more about how our business banking and commercial services can help you thrive!

Supporting Your Growth

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 provide comprehensive business banking solutions including merchant services and business loans. These services are designed to help your business thrive while simplifying your financial management.

Credit Cards and Rewards

Don't forget about our credit cards with rewards, which allow you to earn points on everyday purchases. Whether you're planning a vacation or just doing grocery shopping, these rewards can add up quickly!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we have robust online and mobile banking features available at your fingertips. With our mobile app, you can check balances, transfer funds, and even deposit checks without needing to visit our branch located at 707 E Bidwell St, Folsom CA 95630. You'll also have access to an ATM for cash withdrawals and balance checks anytime you need it.

Get In Touch

Our friendly team is here to assist you with any questions or concerns about our services. Feel free to call us at 916-364-3020, or better yet, visit us in person during our convenient hours: Monday & Friday from 9:00 AM - 6:00 PM, Tuesday through Thursday from 10:00 AM - 6:00 PM, and Saturday from 9:00 AM - 2:00 PM. At Heritage Community, we believe in building strong relationships with our members by offering personalized service and a comprehensive suite of financial products. Explore how we can support your financial journey today!

Personal Banking Solutions

Starting with personal banking, we offer both checking and savings accounts that help you manage your money effectively. Our accounts come with no hidden fees, making it easier for you to save without worrying about unexpected charges. If you need funds for a new vehicle, our auto loans and vehicle financing options are tailored to get you on the road quickly and affordably. Imagine cruising down the highway in your dream car without breaking the bank! For those considering home ownership, our mortgage loans and refinancing services make it simple to navigate the buying process. We'll guide you every step of the way, helping you find a loan that fits your budget. Additionally, if you find yourself facing unexpected expenses or wanting to consolidate debt, our personal loans and debt consolidation options offer flexible terms that can help alleviate financial stress.

Digital & Online Banking

Key Features for Your Convenience

Managing your money is not only about convenience but also about security. With features like electronic signature authorization, you can complete transactions confidently without having to visit a branch. Plus, our e-statements provide a quick and eco-friendly way to view your account statements right from your device. If you're always on the go, our mobile application makes it even easier to stay connected with your finances. You can make mobile payments and send money directly to friends or family through our person-to-person transfer feature perfect for splitting bills or sending gifts!

Security Meets User-Friendly Design

Security is our top priority. We implement robust measures to keep your information safe while ensuring that using our services is straightforward and intuitive. You don't need to be a tech expert to navigate our online platform or mobile app; everything is designed with you in mind. At Heritage Community, we believe that banking should empower you, not complicate your life. Enjoy peace of mind knowing that whether you're checking an account balance or making payments, you've got the tools you need right in your pocket. Join us today and experience how easy managing your finances can be!

Financial Strength

Growing Member Base

We are proud to have 21,925 total share accounts, showcasing a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $0, reflecting our focus on maximizing benefits for our members. 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 707 E Bidwell St Folsom Ca 95630 or call 916-364-3020 to learn more about how we can help you achieve your financial goals.

Investment in Your Future

With $24,857,570 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $28,844,978 in used auto loans and a total of $222,604,995 in loans and leases available.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. With 42 full-time employees and 2 part-time employees, our branches are always ready to serve you with a knowledgeable and committed team.

Secure Savings Opportunities

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. 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.

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 10.10% 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

Additional Offerings

For those seeking additional financial solutions, our total credit lines available amount to $39,370,190, giving members access to extra funds when they need them most. If you're considering refinancing any existing debts or exploring eligibility options for our various loan products, our team is here to guide you through the process. We want to ensure that you find the best solution for your financial situation. To learn more about our loan offerings or if you have any questions regarding eligibility or application processes, please don't hesitate to contact us at (916) 364-3020. You can visit us at 707 E Bidwell St Folsom Ca 95630. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial goals!

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 interested in financing a brand-new vehicle or a reliable used one, we can assist you with competitive rates and flexible terms.

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, ensuring that you have the support needed to secure your dream home.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $775,362 in loans helping members manage their finances effectively. These cards can be an excellent option for those looking to maintain cash flow while enjoying benefits like rewards and no collateral requirements.

Loan Aggregator

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