Heritage Community Credit Union

Heritage
January 2013
Connections
HCCU Celebrates Our 60th Anniversary!
1953 saw the first Chevy
Corvette roll off the assembly
line; Jonas Salk produced
the first polio vaccine and
Dwight D. Eisenhower was
inaugurated as President of
the United States. And, at
Mather Air Force Base, seven
civilians came together to form
a financial cooperative that
would become Mather Federal
Credit Union.
Our history is forever
intertwined with the history
of Mather Air Force Base.
Originally a pilot training
facility during World War I, Mather Field was fully activated as Mather
Air Force Base in 1941. The base was used continually through the next
four decades, with periodic remodeling of the facilities including the
construction of our former Mather branch.
Folsom Branch
Grand Opening
Have you visited our beautiful new
Folsom branch yet? If the convenience
of our new drive-up teller window
hasn’t brought you in yet, our
upcoming Grand Opening celebration
will provide a great reason to stop by!
Our Grand Opening celebration will be
Thursday, January 10, 2013, from 11 am
to 2 pm at the branch (707 E. Bidwell
St.). We’ll start off with a Ribbon
Cutting ceremony by the Folsom
Chamber of Commerce, followed by a
reception featuring light refreshments
and giveaways.
We hope to see you there!
In 1962, we grew our field of membership to include the base's
military personnel. Then, the closure of Mather AFB in 1993 brought
our biggest challenge yet. To continue to operate, we needed to make
some changes. We added new members from a merger with Electrical
Workers #340 Credit Union, and the Proctor and Gamble Employees
Federal Credit Union.
In 1998, Mather Federal Credit Union members voted to convert to
a state-chartered community credit union. We officially changed our
name to Heritage Community Credit Union in 1999, and expanded our
field of membership to include individuals who live, work, worship or
attend school in Sacramento or Placer Counties.
Folsom Branch Drive-Up Teller Window (above), and
branch interior (below)
In our 60 years of service to our members, we have seen many
changes to products, technology and even the locations of our
branches. But one thing remains as true today as it was back in 1953:
we are committed to helping our members achieve their financial
goals. The success of our members is key to the success of HCCU’s
past, present and future.
As we celebrate our 60th anniversary, we look back with great pride
over what we have accomplished together, and we encourage you
to participate in the numerous activities throughout the year. Going
forward, we will continue to build on our rich Heritage, towards a
bright future – and we hope you’ll join us.
P. O. Box 790, Rancho Cordova, CA 95741-0790
916.364.1700
800.233.6328
www.heritageccu.com
The Ins and Outs of ePayments
Are you ordering far fewer checks for your account these days?
Does a roll of postage stamps seem to last a lot longer? Like
most people, you’re probably performing many more financial
transactions electronically, either by choice or because companies
and government agencies have increasingly made it all but
mandatory.
Electronic transactions have caught on because:
 They are environmentally friendly and save millions of tons
of paper.
 They’re faster. Bill payments and direct deposits to your
account occur the same day (often instantly), versus being
delayed in the mail. And, if you sometimes forget to mail
payments on time, auto payment protects against late fees.
 They’re convenient. You can choose one-time bill pay, where
you first review your bill and then authorize payment; or
recurring bill pay, where your bills are paid automatically at a
scheduled time for any amount you choose.
 They’re safer. Even in these high-tech times, old-fashioned
mail theft remains a major problem. For example, in 2010
more than 540,000 mailed federal benefit checks were
reported lost or stolen and had to be replaced.
That doesn’t mean electronic transactions are risk-free. As with
email or any kind of online activity, you should take precautions
to protect your computer (and cell phone) from being hacked. For
example:
 Make sure your anti-virus and anti-spyware software is up-todate.
 When making online payments, look for safety symbols like a
padlock icon in the browser's status bar, an "s" after "http"
in the URL, or the words "Secure Sockets Layer” (SSL).
 Review credit card and bank account statements regularly
and report duplicate bill payments or suspicious/
unauthorized charges to the card issuer.
 Regularly order your credit reports from the three major
credit bureaus (Equifax, Experian and TransUnion), and
review for errors or fraudulent activity. You can order one free
report annually from each at www.AnnualCreditReport.com,
or more frequently for a small fee from each bureau.
 Create complex, random passwords and change them
regularly.
If you are not already using ehccu-online banking, now is a great
time to get started! Contact our Call Center for help setting up
your online account and registering for ehccupay-bill payment at
916.364.1700 or 800.233.6328.
Go Direct Today
We want to remind all our members that, if you still receive
a paper check for your federal benefit payments, you only
have TWO MONTHS until you are required by law to
switch to electronic payments. You can sign up at your
local HCCU branch, or go online to www.GoDirect.org.
Excerpted from an article by Jason Alderman, director of Visa's financial education
program. Reprinted with permission from www.practicalmoneyskills.com.
AARP Tax-Aide Available at HCCU
HCCU members 60 and older can receive free tax assistance through AARP Tax-Aide, the nation’s largest free, volunteer-run
tax assistance and preparation service. Appointments will be available every Friday between February 1 and April 12, 2013, at the
HCCU corporate office at 10399 Old Placerville Rd., Sacramento, CA. To make an appointment, please call 211, or 916.498.1000
or 1.800.500.4931. Tax time doesn’t have to be painful – help is available!
2
Buy One, Get One
Free!
Want to get
away somewhere this
winter? Then enter the
“Spend Your Winter
Wherever” online bill
payment sweepstakes
to earn cash, and a
chance to win one of
three $5,000 Dream
Vacations!
From January 1 through
March 31, 2013, enroll in
ehccupay-bill payment and pay five bills within the
same month to earn $10; plus earn $1 for each
additional bill paid, up to a $15 maximum. Each bill
paid will earn you one entry into the Winter Wherever
Sweepstakes!
Paying bills online is fast and easy – simply select your
payee, set the amount to be paid, and choose your
payment date. Imagine yourself having fun on that
tropical beach or on the ski slopes at an exclusive ski
resort, all while your bills are being paid automatically
and on time. Now that’s living the good life!
NO PURCHASE NECESSARY. Open to legal residents of the 50 United States &
D.C. 18 years and older. Ends 3/31/13. You may only receive up to 10 entries. To
enter and for Official Rules, including odds, how to enter without paying a bill
online and prize descriptions, visit https://www.heritageccu.com/mstinc/grp/
winter/guarantee.html. Void where prohibited.
It’s time to file your taxes for tax year 2012. No need to
worry, though – HCCU to the rescue! We offer options
to help you navigate your way through tax season.
As an HCCU member, you can file your taxes through
our Online Banking, or you can download the TurboTax
Federal FREE Edition.
For 2013, TurboTax is running a “Double My Refund”
sweepstakes! Entering is easy – HCCU members will
automatically receive an entry into the Sweepstakes
when they start a tax return.
Of course, no purchase is necessary to enter and win,
and you’ll find Sweepstakes details and official rules
online at our website, www.heritageccu.com.
Got a craving for a good burger? Got
your HCCU Visa Credit or Debit card?
We’ve got you covered!
Now through January 31, 2013,
visit the Smashburger® located at
703-3 E. Bidwell in the same shopping
center as the new Folsom branch.
Receive one FREE* Smashburger® with your purchase of any
Smashburger®, Smashchicken® or fresh market salad, when
you pay with your HCCU Visa® debit or credit card! Stop in
today!
*Expires 1/31/13. Limit one per person, per visit. Valid at listed location only when you use
your HCCU Visa® Check Card or credit card to make your purchase.
Volunteer Nominees Selected
The Nominating Committee has nominated three individuals,
Nicholas Nganga, Daniel L. Freeman and W. Louis Moore, for
positions on HCCU’s Board of Directors.
The Nominating Committee has also nominated two people,
Dave Kilborn and Clarissa Poole, for positions on HCCU’s
Supervisory Committee.
Daniel L. Freeman, W. Louis Moore, Dave Kilborn and Clarissa
Poole have been nominated to serve three-year terms.
Nicholas Nganga will serve a two-year term.
Pursuant to the HCCU Bylaws, given that the number of
qualified individuals nominated is equal to the number of
vacant seats, a ballot election will not be held and nominations
from the floor will not be accepted during the Annual Meeting.
If you don’t want to prepare your own taxes, Jackson Hewitt
Tax Service has a great offer for you too. HCCU members can
save either $30 on their individual income tax preparation
at participating Jackson Hewitt Tax Service® locations
nationwide, OR pay $50 less than last year* when you switch
to Jackson Hewitt from a competing tax preparer. You’ll find a
link for a coupon on our website.
No matter how you choose to prepare and file your taxes, the
place to start is at our website, www.heritageccu.com.
Offer valid on tax preparation fees only. Does not apply to amendments, extensions,
online tax preparation product or other services. Valid at participating locations and may
not be combined with any other offer. HCCU does not determine fees charged by Jackson
Hewitt or its franchisees. If you are not satisfied with the fees quoted you are not obligated
to complete your return with Jackson Hewitt and may decline their services any time prior
to filing. Most offices are independently owned and operated. *Offer valid for tax prep fees
paid of $150 or more. Proof of last year’s tax prep fee required. Offer expires 4/30/13.
3
Seminars and Events
HCCU New Folsom Branch
GRAND OPENING!
January 10, 2013
11:00 am - 2:00 pm
707 E. Bidwell St., (Folsom)
Ribbon Cutting Ceremony,
Giveaways, Food
Roseville Auto Mall Sale
President’s Day CU Car Event
February 15 - 18, 2013
Eureka Road Exit, Off I-80
Doors open at 9 am daily!
Enterprise Car Sales
"New Year Celebration"
Car Sales Event
January 18 - February 2, 2013
Monday - Friday: 9 am - 7 pm,
Saturday: 9 am - 5 pm
2757 Citrus Road (Rancho Cordova) &
5011 Auburn Blvd. (Sacramento)
Special Low Rates & Trade-In Offers
Available!
Call 916.364.1700 to get pre-approved or for
more information on this sale.
For inventory questions, please call
1.800.227.7253.
16 dealers • 22 brands • 1 location
Special rate & credit union pricing!
Call 916.364.1700 to get preapproved or for
more information on this sale
HCCU Directory
Contact Information
Website
www.heritageccu.com
Email
[email protected]
Call Center
916.364.1700 • 800.233.6328
Mon–Fri 9 am–6 pm, Sat 9 am–2 pm
Fax Number
916.364.3749
Priority Line–Telephone Account Access
916.364.0132 • 800.323.3255
Investment Services
916.364.3053
Mailing Address
P.O. Box 790
Rancho Cordova, CA 95741-0790
Branch/ATM Locations
Folsom
707 E. Bidwell St.
Folsom, CA 95630
Mon & Fri 9 am–6 pm,
Tues–Thurs 10 am–6 pm • Sat 9 am–2 pm
Mills Center
Join Us for Our 60th Annual
Membership Meeting
All members are cordially invited to attend the Heritage Community Credit Union’s
Annual Meeting on Wednesday, March 13, 2013 at 4:00 pm at the former Mather
Branch, 10528 Armstrong Avenue, Mather, CA. We will offer complimentary light
refreshments and conduct our Annual Meeting business, including the election of
officers for vacant positions on the Board of Directors and Supervisory Committee.
In accordance with HCCU bylaws, if no more nominations are received for the vacant
positions than the actual number of vacancies, the credit union may, without further
action, declare that these qualified nominees are to be elected at the Annual Meeting.
This procedure will be followed at this year’s Annual Meeting.
To RSVP, please call 916.364.3871 or e-mail [email protected] by March 11, 2013.
Holiday Closures
HCCU will be closed the following days:
 New Year's Day • Tuesday, January 1, 2013
 Martin Luther King Jr. Day • Monday, January 21, 2013
 Presidents Day • Monday, February 18, 2013
All automated and electronic services will be available including ehccu-online banking,
Priority Line Telephone Account Access, and our ATM networks.
10339 Folsom Blvd., Ste. A.
Rancho Cordova, CA 95670
Mon & Fri 9 am–6 pm,
Tues–Thurs 10 am–6 pm • Sat 9 am–2 pm
Sunrise-Madison
5329 Sunrise Blvd. • Fair Oaks, CA 95628
Mon & Fri 9 am–6 pm,
Tues–Thurs 10 am–6 pm • Sat 9 am–2 pm
HCCU Corporate Offices — ATM Only
10399 Old Placerville Rd.
Sacramento, CA 95827
Mon–Fri 9 am–6 pm
Mather— ATM Only
10528 Armstrong Ave. • Mather, CA 95655
Available 24 hrs., 7 days/week
Rancho Cordova City Hall— ATM Only
2729 Prospect Park Dr. Rancho Cordova, CA 95670
Mon–Fri 8 am–5 pm
Rancho Cordova Police Dept. — ATM Only
2897 Kilgore Rd., Rancho Cordova, CA 95670
Mon–Fri 9 am–5 pm
Sac. VA Medical Center — ATM Only
10535 Hospital Way • Mather, CA 95655
Available 24 hours a day!
ATM Networks
Autoland
www.facebook.com/HeritageCCU
Twitter: @HeritageCCU
From www.heritageccu.com, just click the
Facebook or Twitter button!
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800.234.6499
www.autoland.com
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Direct Lending
888.CU.DIRECT
Federally insured to at
least $250,000 by NCUA
Equal Housing Lender