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Heritage Community Credit Union – IRP | The Stellar Financial Group


OPEN A CHECKING ACCOUNT AND SKIP YOUR NEXT AUTO LOAN PAYMENT!*




As a valued member of Heritage Community Credit Union, we want you to make the
most of your membership by opening a checking account with us. Our Skip-A-Pay
offer rewards you for adding that new checking account. Check out how to skip
your auto loan payment below.


HOW IT WORKS


OPTION 1

Open ANY new checking account and as our way to thank you, you can skip your
next auto loan payment.* 


OPTION 2

Open ANY new checking account and add Direct Deposit and you can skip 2 auto
loan payments.** How simple is that?

Open Account


FREQUENTLY ASKED QUESTIONS

Check out our FAQs below for information on the Skip-A-Pay offer and how our
checking account process works.

Go to FAQs


CONTACT

We hope you find our application easy, but we’re happy to help if needed — give
us a call at 916-510-8271.

Call Us

Para hablar con uno de nuestros representantes en español por favor llámenos al
800-914-7536.


FAQS

Frequently asked questions about the Skip-A-Pay offer and checking account
process.

IS HERITAGE COMMUNITY CREDIT UNION REALLY GOING TO ALLOW ME TO SKIP MY NEXT AUTO
LOAN PAYMENT WHEN I OPEN A NEW CHECKING ACCOUNT?

Heritage Community Credit Union values the relationship we have with our members
and wants to be your primary banking institution. This offer of skipping your
next auto loan payment is an example of how much we value our relationship with
our long-term members.

IS THERE A FEE TO APPLY?

There is no fee to apply.

WILL I RECEIVE A DEBIT CARD?

Yes, you will receive a debit card 7-10 business days after the account opening
process is completed. You are able to order checks with your new checking
account.

WILL THIS AFFECT MY CREDIT?

No. We do not perform a credit check for this promotional offer. The
skip-a-payment offer is not considered a late or delinquent payment. You should
have no adverse effect to your credit score.

IS MY PERSONAL INFORMATION SECURE?



Heritage Community Credit Union and our marketing partner take the security of
your personal information seriously. Please review our privacy policy on our
corporate website for details.



DO YOU HAVE A BRANCH LOCATED NEAR ME?

If you would prefer to meet with someone in person, our branch locations, hours
of operation, and scheduling information are listed on our locations page.

HOW DO I APPLY?

You have 3 options on how to apply.

 * Complete the application by clicking on the OPEN ACCOUNT button below.
 * To speak to a representative, call 916-510-8271 and they will be able to
   assist you over the phone.
 * Or stop by your nearest branch and one of our representatives can assist you.



We hope you find our application easy, but we’re happy to help if needed — give
us a call at 916-510-8271 and one of our representatives will be able to assist
you.

Open Account

*Offer subject to payment history, all Heritage Community Credit Union (HCCU)
loans must be current and in good standing. Finance charges and voluntary
insurance will continue to accrue during the “no payment” deferral period. No
payment deferral period will increase the total finance charges the borrower
will pay over the life of the loan. This offer is unavailable to existing HCCU
Checking account holders or members whose checking accounts have been closed
within 90 days or closed with a negative balance. Account opening is based on
approval.

**To receive the second Skip-Payment offer, the new checking account must have
at least one qualifying Direct Deposit of $500 or more within the first 30 days
of the new checking open date. Direct Deposit payments must be made by a payroll
provider or government benefit providers using the ACH network. Person-to-person
payments (such as Zelle®) are not considered a direct deposit.

Heritage Community Credit Union

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