Heritage Community Credit Union Gold River CA | Affordable Auto Loans & Top Checking

Introduction

Welcome to Heritage Community, your trusted partner in financial well-being, located at 2155 Golden Centre Ln, Gold River, CA 95670. Since our establishment in 1953, we have been dedicated to serving our community with reliable banking solutions tailored to meet your needs. With a membership of over 10,558 individuals and total assets exceeding $266 million, we take pride in being a cornerstone of financial support in the Gold River area. At Heritage Community, we understand that every member has unique financial goals. That's why we offer a comprehensive range of services, including personal banking accounts, auto loans, mortgages, and business financing options. Our team is committed to helping you navigate your financial journey with confidence and ease. While members can visit us at our Gold River branch for all their banking needs, official correspondence should be sent to 2155 Gold Centre Lane, Gold River, CA 95670. This ensures that all communication is handled efficiently. Under the leadership of our CEO, Ed Turk, and Board President, Bobbi Beehler, we strive to create an environment where trust and transparency thrive. With a dedicated team of 44 employees, we focus on delivering exceptional service every day. You can reach us at (916) 364-1700 during our lobby hours from Monday to Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM. With total deposits reaching $12 million and cash reserves of over $1.2 million, our financial stability allows us to support you better whether you're saving for a dream vacation or looking for ways to finance your new home. Join us today at Heritage Community Credit Union and experience personalized banking designed with your future in mind. Ready to take the next step? Visit our website at heritageccu.com or call us today! Let's build a brighter financial future together!

Branch History & Mission

At Heritage Community, we take pride in our rich legacy and commitment to serving the Gold River community. Founded in 1953, our branch has grown alongside our members, adapting to their needs and the evolving financial landscape while staying true to our core mission of providing exceptional financial services with a personal touch. Located at 2155 Golden Centre Ln, Gold River, CA 95670, our branch has become a trusted partner for over 10,558 members. We understand that being part of a credit union means more than just banking; it's about building relationships and fostering community spirit. As we reflect on our history, we celebrate milestones that have shaped who we are today. From humble beginnings, we now proudly manage total assets of $266,261,114, making significant strides in ensuring our members' financial well-being. Our mission is simple yet impactful: to empower individuals and families by offering accessible financial solutions that promote growth and stability. Whether it's through personal banking services like checking and savings accounts or lending options such as auto loans and mortgages, we are dedicated to helping our members achieve their financial goals. We believe that by investing in our members' futures, we strengthen not only their lives but also the entire community. While members can visit us at 2155 Golden Centre Ln, official correspondence should be sent to 2155 Gold Centre Lane, Gold River, CA 95670 if different. Our operating hours are designed with convenience in mind: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM. We also offer ATM availability for those on the go. Heritage Community is not just about transactions; it's about connections. We actively engage with local organizations and charities to support initiatives that uplift our community. Our partnerships allow us to reach beyond the walls of our branch and make a real difference where it matters most. As we move forward into a digital age, we remain committed to enhancing member experiences through online and mobile banking solutions. With features like e-statements and mobile payments, managing finances has never been easier or more secure. We invite you to join us at Heritage Community. Experience the difference that comes from being part of a cooperative that truly cares about your financial success. Together, let's build a brighter future for you and the Gold River community! For any inquiries or assistance, please call us at 916-364-1700 or visit our website at heritageccu.com.

Branch Location & Accessibility

A Warm Invitation

Whether you're looking for personal banking options like checking and savings accounts or services such as auto loans and credit cards with rewards, we're here to help! Our team is dedicated to providing a welcoming atmosphere where your financial goals can thrive. We invite you to stop by Heritage Community or give us a call at 916-364-1700. Experience the difference of community-focused banking today!

Convenient Access and Features

At our Gold River branch, we prioritize your comfort and accessibility. You'll find ample parking available right outside, making it simple to visit us. The branch is ADA compliant, featuring ramps for easy access so everyone can enjoy our services without hassle. While you're here, take advantage of our ATM services that are always available for cash withdrawals or balance checks. Unfortunately, we don't offer drive-thru banking at this location, but our friendly staff is ready to assist you inside during our convenient operating hours: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM. If you need to send official correspondence, please note that while members can visit us at 2155 Golden Centre Ln, official mail should be directed to our mailing address at 2155 Gold Centre Lane, Gold River, CA 95670.

Member Eligibility

At Heritage Community, we believe that becoming a member is about joining a family that supports your financial journey. Membership is open to anyone who lives, works, or worships in our community. We want you to feel at home here, so whether you're looking for personal banking solutions or planning for your future, our doors are wide open! For those interested in joining us at our branch located at 2155 Golden Centre Ln, Gold River, CA 95670, you can easily check out the specific eligibility requirements on our website at https://www.heritageccu.com. Opening an account with us is straightforward and welcoming. Just give us a call at 916-364-1700, and our friendly staff will guide you through the process. You'll find that being a member of Heritage Community not only gives you access to a range of financial products but also connects you with a community focused on helping each other succeed. We're excited to have you join our family!

Business Banking & Commercial Services

Practical Merchant Services

Beyond loans, we offer essential merchant services designed to simplify transactions for your business. Imagine having the tools to accept payments effortlessly, whether it's in-store or online. Our merchant services help you focus on what you do best running your business while we take care of the payment processing side. Visit us at 2155 Golden Centre Ln Gold River Ca 95670 in Gold River, CA, or give us a call at (916) 364-1700 to learn how we can support your business's financial journey!

Supporting Business 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

Access Anytime, Anywhere

In this fast-paced world, convenience matters. That's why we've invested in robust Online & Mobile Banking platforms so you can manage your accounts anytime you wish. Our ATM services are readily available for cash withdrawals and balance checks without any hassle. At Heritage Community, located at 2155 Golden Centre Ln, Gold River, CA 95670, we're committed to meeting your financial needs with warmth and professionalism. If you're ready to explore what we can do for you or have questions about any of our services, don't hesitate to give us a call at 916-364-1700. We look forward to welcoming you into our community! For more information about our services or to get started today, visit us online at heritageccu.com.

Business Support Services

For entrepreneurs and business owners, we provide specialized Business Banking services including Merchant Services and Business Loans. Running a business requires support and resources; let us help you with financing solutions that promote growth and efficiency.

Financing Your Dreams

If you're in the market for a new vehicle, our Auto Loans & Vehicle Financing options are tailored for you. We understand that purchasing a car is a significant investment, and we're here to help you find the best loan terms that suit your budget. Additionally, if you're considering homeownership, our Mortgage Loans & Refinancing services provide various plans to help make your dream home a reality.

Personal Banking Made Easy

For those looking to manage their day-to-day finances, we offer Personal Banking solutions that include both Checking and Savings Accounts. Imagine having a reliable account where your money is safe while also earning interest. With our easy online and mobile banking features, checking your balance or transferring funds can be done from the comfort of your home or on the go.

Simplifying Borrowing Needs

Life can throw unexpected expenses your way, and that's where our Personal Loans & Debt Consolidation come into play. Whether you need funds for an emergency or want to consolidate existing debt into one manageable payment, we have flexible options available. Plus, don't forget about our Credit Cards with Rewards, which offer great perks for everyday purchases.

Digital & Online Banking

Key Services

Our online banking platform provides you with real-time account management, allowing you to check balances, transfer funds, and pay bills effortlessly. You can also enjoy the benefits of electronic statements, which means you can keep track of your finances without the clutter of paper statements. Plus, with our electronic signature authorization feature, signing documents is quick and secure no more trips to the branch! If you're on the go, our mobile application makes it simple to manage your money from your smartphone. You can make mobile payments easily, ensuring you never miss a beat when it comes to your transactions. Want to send money to a friend? Our person-to-person transfer feature lets you do that in just a few taps.

Security and Accessibility

Your security is paramount at Heritage Community. We use advanced security measures to protect your information while providing a user-friendly experience. Our digital banking tools are designed not only for ease of use but also for peace of mind. Whether you're logging in from home or on the move, you can feel confident knowing your financial information is safe. In today's fast-paced world, having easy access to your finances is essential. At Heritage Community, we strive to provide services that fit seamlessly into your lifestyle, allowing you to manage your money with confidence and convenience. Whether it's checking your account balance or making payments on the go, we have the tools you need right at your fingertips!

Financial Strength

Commitment to Growth

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 is reflected in the $22,260,499 in total loans and leases, including $28,440,978 in used auto loans that support members' financial goals across various sectors.

Efficient Operations

Our operational efficiency is highlighted by our $0 net income, allowing 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 and committed team.

Growing Member Base

Total Share and Deposit Accounts stand at 21,925, showing a strong and growing member base that trusts us with their finances. 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 2155 Golden Centre Ln Gold River Ca 95670 or call 916-364-1700 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Strong 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

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 provide flexible terms and competitive rates so that you can drive away happy.

Credit Lines and Personal Loans

Need extra funds for unexpected 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. Additionally, our total credit lines amount to $39,370,190, providing ample opportunity for those who need more than just a traditional loan.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $53,307,677, make buying or refinancing simple. We guide you through every step of the process to ensure you feel confident about your investment.

Refinancing Options

If you're considering refinancing your existing loans or mortgages, we have options available that could save you money on interest payments and improve your cash flow. Our team is here to help assess your eligibility and find the best solution tailored for you. For any questions or assistance regarding our loan offerings or eligibility requirements, please feel free to reach out at 916-364-1700. You can visit us at 2155 Golden Centre Ln Gold River Ca 95670 during our operating hours: Monday through Friday from 9 am to 6 pm and Saturday from 9 am to 2 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to support you every step of the way as you take control of your financial future!

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