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iAdvertiser Disclosure
Advertiser Disclosure
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 Heritage Community Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Heritage Community Credit Union's CDs 13 Month Special rates are at 3.85%, 10-month CD rates are at 3.75%, CDs 10 Month Special rates are at 3.75%, CDs 6 month rates are at 3.71%, CDs 3 month rates are at 3.55%. Heritage Community Credit Union's savings rates are at 0.05%. Heritage Community Credit Union's money market rates are at 0.35%. Heritage Community Credit Union's 15 Year Fixed rates are at 5.25%, First Mortgage 15 Year Fixed rates are at 5.25%, 15 Year Fixed rates are at 5.62%, First Mortgage 15 Year Fixed rates are at 5.62%, 30 Year Fixed rates are at 6.00%. Heritage Community Credit Union's Personal Loan Rates are at 10.59%. MonitorBankRates evaluates the financial stability of Heritage Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.33%. Rates were last updated on 04/19/2026. Heritage Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Heritage Community Credit Union? Share your experience about Heritage Community Credit Union by leaving a review below, or read customer reviews before you decide to use Heritage Community Credit Union. Heritage Community Credit Union
Headquarters 10415 Old Placerville Rd
https://www.heritageccu.com Sacramento, CA 95827 2508 
Heritage Community Credit Union CD Rates
Heritage Community Credit Union Savings Rates
Heritage Community Credit Union Money Market Rates
Heritage Community Credit Union Mortgage Rates
Heritage Community Credit Union Home Equity & HELOC
Heritage Community Credit Union Auto Loan Rates
Heritage Community Credit Union Credit Card Rates
Heritage Community Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Heritage Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Heritage Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Heritage Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Heritage Community Credit Union
Website
https://www.heritageccu.com
Address
10415 Old Placerville Rd,
Sacramento, CA 95827 2508
Phone
916-364-1700
Fax
President
Bobbi Beehler
CEO
Ed Turk
Full-Time Employees
42
Part-Time Employees
2
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.33%
Return on Assets (ROA)
0.1693%
Return on Equity (ROE)
1.7196%
Non-Performing Loans Ratio (NPL)
0.64%
Total Assets
277,558,043
Total Amount of Shares and Deposits
247,145,595
Total Shares and Deposits < 1 Year
238,336,103
Total Shares and Deposits 1 3 Years
5,308,434
Total Shares and Deposits > 3 Years
3,501,058
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
18,931,330
Total Uninsured Shares and Deposits > $250K (F+J)
18,931,330
Total Insured Shares and Deposits > $250K (item 17 less item K)
228,214,265
Total Interest Expense (Sum of items 6 8)
3,025,732
Share Certificates
1,167
Number of Accounts for Share Drafts
6,566
IRA KEOGH Accounts
343
Number of Accounts for Regular Shares
13,284
Non Member Deposits
4
Money Market Shares
581
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
19,450,185
Total Liabilities
252,255,327
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Heritage Community Credit UnionIs Heritage Community Credit Union a safe place to deposit money?Yes, Heritage Community Credit Union is considered a safe financial institution. With a Texas Ratio of 5.3342800517523%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Heritage Community Credit Union operate?Heritage Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Heritage Community Credit Union?Yes, to access services at Heritage Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Heritage Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Heritage Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Heritage Community Credit Union offer online and mobile banking?Most modern institutions like Heritage Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.heritageccu.com. Current Heritage Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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