Open a Checking Account and Skip Your Next 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 loan payment below.
How It Works
Option 1
Open ANY new checking account in your name. as our way to say thanks, you can skip your next loan payment.*
Option 2
Open ANY new checking account in your name and add Direct Deposit toskip your next 2 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 loan payment when I open a new checking account?
Yes, as long as your name is on the loan and the new checking account. Skip an additional loan payment when you add at least one qualifying Direct Deposit of $500 or more within 30 days of opening the checking account.
Is there a fee to apply?
No. The normal $35 fee does not apply for these Skip-A-Pay offers.
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 valid for current Heritage Community Credit Union (HCCU) members who do not have a HCCU checking account and who have an eligible consumer loan in good standing. Eligible consumer loans include auto loans, personal loans, and recreational vehicle loans. Excluded loan types are mortgages, home equity lines of credit (HELOC), fixed home equity loans, credit cards, and lines of credit. This offer is unavailable to existing HCCU members whose checking accounts have been closed for less than 180 days or closed with a negative balance. Account opening is based on approval.
To qualify for the first skip-a-payment, the member must open a new HCCU checking account. To qualify for the second skip-a-payment, the member must also set up a recurring direct deposit of $500 or more per month into the newly opened checking account. 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.
Interest will continue to accrue during the skipped periods, and skipping payments may extend the loan term. Maximum of two (2) skip-a-payments allowed under this promotion. Loan must be current at the time of skip request. Other restrictions may apply. Offer subject to change or end at any time without notice.