Credit union · NCUA insured
Heritage Community Credit Union
A $282.6M credit union headquartered in Fair Oaks, CA, with 10,041 members and 3 branches in California. Best rates: CDs 4.40% and savings 0.35% APY.
Heritage Community Credit Union Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#10 of 35 in Sacramento, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Heritage Community Credit Union
- Headquarters
- 5329 Sunrise Blvd, Fair Oaks, CA 95628-3539
- NCUA charter
- 68395
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties.
Employers and groups
- Membership is open to any California resident who is a member of the affiliated organization, the Financial Fitness Association (which can be selected during the online application process).
Branches
3 branches in California
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California
3 branches
- Fair Oaks5329 Sunrise Blvd, Fair Oaks, CA 95628Directions
- Folsom13385 Folsom Blvd Ste 200, Folsom, CA 95630Directions
- Gold River2155 Golden Centre Ln, Gold River, CA 95670Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.81% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.75% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.31% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $97 | $76 | — |
- CapitalNet worth ratio9.81%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.75%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.31%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$97Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Heritage Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.