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?
Frequently Asked Questions
Check out our FAQs below for information on the Skip-A-Pay offer and how our checking account process works.
Contact
We hope you find our application easy, but we’re happy to help if needed — give us a call at 916-510-8271.
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?
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.
*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.