Heritage Community Credit Union
Verified rate book
Current Heritage Community Credit Union rates
41 published offers verified as of August 4, 2026.
Mortgage rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.125% APR | 6.125% | — | Standard |
| 30-Year Fixed30 year fixed | 6.375% APR | 6.375% | — | Standard |
| 15-Year Fixed15 year fixed | 5.375% APR | 5.375% | — | Standard |
| 15-Year Fixed15 year fixed | 5.750% APR | 5.750% | — | Standard |
| 1/1 ARM 1arm | 5.250% APR | 5.250% | — | Standard |
| 3/1 ARM 23 1 arm | 5.375% APR | 5.375% | — | Standard |
| 5/1 ARM 35 1 arm | 5.500% APR | 5.500% | — | Standard |
| 7/1 ARM 47 1 arm | 5.875% APR | 5.875% | — | Standard |
| Mortgage Loanother | 5.682% APR | 5.682% | — | Standard |
Auto & vehicle rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto Loanauto | 3.240% APR | 3.240% | — | Standard |
| New Auto Loanauto_new | 3.240% APR | 3.240% | new | Standard |
| Used Auto Loanauto_used | 4.940% APR | 4.940% | used | Standard |
| New / Used Motorcycle Loanmotorcycle_any | 6.790% APR | 6.790% | any | Standard |
| New / Used Jet Ski Loanboat_any | 7.090% APR | 7.090% | any | Standard |
| New / Used ATV Loanpowersports_any | 7.090% APR | 7.090% | any | Standard |
| New / Used RV Loanrv_any | 7.090% APR | 7.090% | any | Standard |
| Mature Auto Loanauto | 7.220% APR | 7.220% | — | Standard |
| New / Used Boats Loanboat_any | 7.290% APR | 7.290% | any | Standard |
HELOC rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loan (Fixed)heloc_fixed | 5.990% APR | 5.990% | — | Standard |
| Max Equityheloc | 6.340% APR | 6.340% | — | Standard |
| HELOC (Variable)heloc_variable | 6.500% APR | 6.500% | — | Standard |
| Max HELOCheloc_variable | 7.500% APR | 7.500% | — | Standard |
Personal loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 10.590% APR | 10.590% | — | Standard |
| Credit Plus Line of Creditploc_variable | 11.490% APR | 11.490% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Premium Rewardsother | 4.990% APR | 4.990% | — | Standard |
Savings & CD rates
10 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Level 3 (All balances if qualifications not met)savings | 0.01% APY | 0.01% | — | Standard |
| 24-Month IRA Certificateira_cd_24mo | 3.75% APY | 3.75% | 24 mo | Standard |
| Wealth Builder Certificate (1 year)share_certificate_12mo | 3.75% APY | 3.75% | 12 mo | Standard |
| 12-Month IRA Certificateira_cd_12mo | 3.75% APY | 3.75% | 12 mo | Standard |
| 36-Month IRA Certificateira_cd_36mo | 3.75% APY | 3.75% | 36 mo | Standard |
| 60-Month IRA Certificateira_cd_60mo | 3.75% APY | 3.75% | 60 mo | Standard |
| 48-Month IRA Certificateira_cd_48mo | 3.75% APY | 3.75% | 48 mo | Standard |
| Certificateshare_certificate | 4.35% APY | 4.35% | — | Standard |
| Rate Saversavings | 4.99% APY | 4.99% | — | Standard |
| Kasasa Cashsavings | 5.00% APY | 5.00% | — | Standard |
Other rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Level 1 ($25,000+)other | 0.100% % | 0.100% | — | Standard |
| Level 2 ($25,000+)other | 0.880% % | 0.880% | — | Standard |
| Level 3 ($25,000+)other | 1.080% % | 1.080% | — | Standard |
| Level 1 ($0 - $25,000)other | 3.450% % | 3.450% | — | Standard |
| Level 2 ($0 - $25,000)other | 4.000% % | 4.000% | — | Standard |
| Level 3 ($0 - $25,000)other | 5.000% % | 5.000% | — | Standard |
As of August 4, 2026, Heritage Community Credit Union offers a 30-year fixed mortgage at 6.125% APR (1 points). Vehicle loans available from 3.24% APR. HELOC rates from 5.99% APR. Personal loan rates from 10.59% APR. Credit card rates from 4.99% APR. Savings and certificate yields up to 5.00% APY.
Source: RateAPI.dev, verified from Heritage Community Credit Union's official website
Loading branch locator…
About Heritage Community Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 10K
- Assets
- $282.6M
- Founded
- 1953
- Locations reported
- 4
- NCUA charter
- 68395
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial education
- Bilingual services
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Heritage Community Credit Union
Membership eligibility from Heritage Community Credit Union's own published criteria. How we verify this.
Membership via the Financial Fitness Association
- LocationSacramento, Placer, El Dorado, Yolo, San Joaquin — CA
- AssociationFinancial Fitness Association
Verified from Heritage Community Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Heritage Community Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Heritage Community Credit Union ranks against California peers.
Frequently Asked Questions
What rates does Heritage Community Credit Union offer?
Heritage Community Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Heritage Community Credit Union rates updated?
RateAPI verifies Heritage Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Heritage Community Credit Union's rate data?
Rate data is collected directly from Heritage Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Heritage Community Credit Union's mortgage rate?
As of August 4, 2026, Heritage Community Credit Union offers a 30-year fixed mortgage at 6.125% APR.
What are Heritage Community Credit Union's auto, rv, boat, motorcycle & powersports loan rates?
As of August 4, 2026, Heritage Community Credit Union offers vehicle loans from 3.24% APR.
What is Heritage Community Credit Union's HELOC rate?
As of August 4, 2026, Heritage Community Credit Union offers home equity lines of credit from 5.99% APR.
What is Heritage Community Credit Union's personal loan rate?
As of August 4, 2026, Heritage Community Credit Union offers personal loans from 10.59% APR.
What is Heritage Community Credit Union's best CD rate?
As of August 4, 2026, Heritage Community Credit Union offers savings and certificate (CD) yields up to 5.00% APY.
Related Rate Data
Compare Heritage Community Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Heritage Community Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for Heritage Community Credit Union
curl "https://api.rateapi.dev/credit-unions/california/heritage-community" \
-H "Authorization: Bearer YOUR_API_KEY"