Heritage Community Credit Union
Easy Live/work/worship/school in Sac + adjacent counties · alt. FFA
Who can join
Live, work, worship, or attend school in Sac / Placer / El Dorado / Yolo / San Joaquin
How hard
Easy
Fees / share
$5 one-time membership fee + $25 Basic Savings opening
ATM notes
HCCU / CO-OP ATM network free (fee schedule)
- Official name
- Heritage Community Credit Union (HCCU)
- Charter / type
- NCUA-insured (published on Basic Savings). Confirm via NCUA locator.
- Field of membership (summary)
- Anyone who lives, works, worships, or attends school in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties. Also: any California resident who is a member of the affiliated Financial Fitness Association (can be selected during online application — treat FFA-only as an alternate path; county live/work remains Easy).
- Join steps (as published)
- Apply online, call Contact Center (916.364.1700 / 800.233.6328), or visit a branch. CIP: name, address, DOB, and identifying documents (published).
- Fees (only if published)
- Fee schedule (rev. 01-02-2026): one-time Membership $5.00. Basic Savings: $25 minimum deposit to open (establishes membership). Other fees on schedule — not all transcribed.
- ATM / network notes
- Fee schedule: HCCU/CO-OP ATM Network Fee Free; non HCCU/CO-OP ATM network fee $3.00.
- Branches serving Sacramento
- Sacramento / Folsom / Fair Oaks area branding. Use heritageccu.com locations — do not invent addresses.
- Caveats
- FFA is an alternate for CA residents outside the five counties — do not invent FFA dollar amounts. County path is the Easy primary path for Sac metro.
- Join difficulty rationale
- Easy — published multi-county live/work/worship/school path covering Sacramento County.
Sources
Not a guarantee: Meeting the published field of membership does not mean you will be approved. Credit unions still run identity checks (CIP) and their own account rules.
Last verified: 2026-10-25 (America/Los_Angeles). Confirm eligibility and fees on the credit union’s site before applying. Membership always subject to CU approval and identity verification.