Credit union · NCUA insured
Heritage Community Credit Union Credit Card Rates
Heritage Community Credit Union credit cards start at 14.24% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Heritage Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Sacramento, CA, where Heritage Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Heritage Community Credit Union
14.24%APR
- Up to
- 36.00% APR
Rate Saver Credit Card
Lowest rate
California Community Credit Union
8.90%APR
- Up to
- 14.90% APR
2nd-lowest rate
Firefighters First Credit Union
8.99%APR
- Up to
- 16.99% APR
Heritage Community Credit Union credit card score
63
Credit card score
Higher than 8% of U.S. banks and credit unions
- Purchase APRPurchase APR14.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Heritage Community Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Classic Secured Credit Card
All loans are subject to credit approval. Rates and terms are subject to change without notice.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.24% | $15 | Fixed standard rate. |
Sources (2)
- heritageccu.com/loans/credit-c…re-our-credit-cards.html
- heritageccu.com/resources-tools/tools/rates.html
All captured Oct 16, 2026
Platinum Rewards Credit Card
All loans are subject to credit approval. Rates and terms are subject to change without notice.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 4.99% | None | Fixed introductory APR on all purchases for six months after opening your account. |
| Ongoing | 15.74%–36.00% | None | Variable standard rate based on credit score. |
| Intro, 12 months | 0.00% | None | Balance transfer offer: 0% APR for 12 months after opening the account. |
Sources (2)
- heritageccu.com/loans/credit-c…re-our-credit-cards.html
- heritageccu.com/resources-tools/tools/rates.html
All captured Oct 16, 2026
Rate Saver Credit Card
All loans are subject to credit approval. Rates and terms are subject to change without notice.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 4.99% | None | Fixed introductory APR on all purchases for six months after opening your account. |
| Ongoing | 14.24%–36.00% | None | Variable standard rate based on credit score. |
| Intro, 12 months | 0.00% | None | Balance transfer offer: 0% APR for 12 months after opening the account. Balance transfer fee is $5 or 3.00% of each balance transfer, whichever is greater. |
Who can join Heritage Community Credit Union
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).
Membership information collected October 5, 2026.