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Please note, our La Mesa branch is currently closed and will reopen Friday, August 7. We apologize for the inconvenience. Alternatively you may visit our El Cajon or Kearny Mesa branches, or utilize digital or mobile banking, available 24/7.

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COVID-19 Updates

COVID-19: Keeping our members informed on the latest updates.

There is no greater priority than the health and safety of our California Credit Union family of members and employees. During this rapidly evolving coronavirus COVID-19 situation, protecting you and your finances is of the utmost importance to us. This is your source for the most current information about our credit union operations, with information and resources to help you navigate these difficult times. We are sending our thoughts and best wishes to those families that have been affected by the virus. We will continue to update this page as new information becomes available.

 

Service Updates

The following changes will take effect for our branch services, beginning Saturday, March 21, 2020. We are making these decisions very carefully, following guidance from the CDC, government agencies, and local health authorities. We believe these are important and responsible steps to take to do our part in helping limit the spread of the virus. All staff from affected branches will be redeployed to support other branches and our Telephone Contact Center to ensure uninterrupted member service.

 

Branch Procedures

We are practicing safe social distancing in our branches for the health of members and employees. At this time, we are allowing a maximum of five members inside a branch at one time.

Following federal, state and local county guidelines, we are requiring that all members wear some type of face covering or mask while visiting a branch to help prevent the potential transmission of the virus.

The following branches will be closed:

Los Angeles/Orange County San Diego County
Beaudry La Mesa
   
   

ATMs at these locations will remain available, cleaned regularly, and monitored to ensure cash is available. If you have in-branch needs, please use our branch locator for alternative nearby branches and ATMs.

 

Modified Branch Service Hours

All other branches will remain open with the following modified hours:

Monday – Friday: 9:30AM – 4:00PM PDT

Saturday: 9:30AM - 1:00PM PDT

For the time being, certain in-branch appointments may be rescheduled to a phone appointment by your Financial Service Representative. Most appointment activities can be handled over the phone, via secure email, and by fax. We have also suspended all Retirement & Investment Seminars and Events until further notice.

Our Telephone and Live Chat Hours Remain the Same. Financial specialists are available to assist members over the phone at (800) 334-8788 and via live chat from our website:

Monday – Friday: 7AM - 7PM (PDT)

Saturday: 9AM - 2PM (PDT)

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Financial Support Programs: We Are Here To Help

We realize some members may experience disrupted work schedules, temporary business closures, unpaid leave, and unscheduled time off for health issues or to care for family in the weeks ahead. And we know that this may cause unexpected challenges. We are here to help if you face financial difficulties related to the pandemic.

  • Automatic Consumer Loan Payment Deferrals
    • If your consumer loan is in good standing, you can defer payment of the following California Credit Union loans for up to 60 days without any fees or penalties:1

      • California Credit Union Auto Loan
      • California Credit Union Personal Loan
      • California Credit Union Savings Secured Loan
      • California Credit Union Personal Line of Credit

      You do not need to take any action or contact us to participate in this payment deferral program. If we do not receive your payment within three days after the due date, the payment due date will automatically advance 30 days. And, if you need to further defer your loan payment for another month, your due date will again automatically advance for another 30 days if we do not receive your payment. We ask that you please make your regularly scheduled payment if you are not facing financial difficulties as a result of the pandemic.

      1Eligible consumer loan accounts must be in good standing and loan payments must not be past due more than 30 days. The loan due date will advance 30 days and advance again, 30 days, the following month. Finance charges will continue to accrue during the deferment period. Deferring a payment may extend the original term and increase the finance charges. The regular monthly payment amount will remain the same; the first payment after the deferred payment(s) will include the deferred interest. Offer only available for autos, personal loans, lines of credit and savings secured loans.

  • Automatic Consumer Credit Card Payment Deferral
    • If you are a consumer credit card cardholder in good standing and not currently enrolled in autopay, we have made the decision to skip your minimum payment due for June, July and August 2020 without incurring any penalties2 Eligibility is determined each month at statement cycle.

      Please note, if your account is configured for autopay and you wish to participate, log into online banking and disable automatic payments for the relief period. Please call us at (800) 334-8788 if you have additional questions.

      2Account eligibility will be determined each month at statement cycle. Interest/Finance charges and fees will continue to accrue and be assessed during the deferment period. Deferring a payment may increase the finance charges.

  • HELOC/Mortgage Loan Payment Assistance
    • We understand it may be difficult to make your HELOC or Mortgage payment if you or your family have been financially impacted by COVID-19. If you are experiencing financial hardship resulting from COVID-19, we are offering a deferment payment of up to three months for your California Credit Union mortgage or Home Equity Line of Credit. Please call our financial specialists at (800) 334-8788 to discuss your situation and our payment deferral options to support you during this time.

  • Penalty-Free Certificate Withdrawals
    • If you have a certificate account, you may request early-withdrawal of funds without any penalties. California Credit Union will waive the penalties when you cash in a certificate to cover expenses. Please contact us if you would like to take advantage of this offer.

  • Special Signature Loan with Reduced Annual Percentage Rate (APR)
    • If you are a member affected by COVID-19 and need additional funds to cover your expenses, we are offering a COVID-Relief Signature Loan with a reduced APR to support you. Please contact us at (800) 334-8788 for details and to apply for this special low-rate loan.

      If you are experiencing additional financial hardships, please contact us at (800) 334-8788 to discuss your individual situation and support programs.

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Financial Strength & Stability

During this uncertain time, please rest assured that California Credit Union remains safe, sound, and ready to support you and all your financial needs. We understand that the security of your accounts, and access to your funds and banking needs, is important to you, and we take our responsibility to serve you through any situation very seriously.

As part of our comprehensive operational planning and prudent financial practices, we ensure we are well prepared for situations just like the one we are experiencing now. California Credit Union remains well capitalized, strong, and healthy, with the reserves and net worth to easily weather our current storm. We are capitalized at 11%, which is significantly more than the 7% required by regulators for an organization to be well-capitalized. And California Credit Union is rated "superior" by Bauer Financial, a rating agency devoted to evaluating financial strength.

In addition, it’s important to remember that your deposits are federally insured through the National Credit Union Administration, a federal insurance fund backed by the full faith and credit of the U.S. Government, to at least $250,000 for regular deposits and at least $250,000 for IRAs. We strongly discourage withdrawing large amounts of cash, which may place you at risk. You do not need to worry about access to your accounts and money, and we encourage you to contact us if you have any questions about your federal insurance or account access.

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Member Security

The Cybersecurity and Infrastructure Agency (CISA) warns individuals to remain vigilant for scams related to Coronavirus Disease 2019 (COVID-19). Cyber actors may send emails with malicious attachments or links to fraudulent websites to trick victims into revealing sensitive information or donating to fraudulent charities or causes. Exercise caution in handling any email with a COVID-19 related subject line, attachment, or hyperlink, and be wary of social media pleas, texts, or calls related to COVID-19.

CISA encourages individuals to remain vigilant and take the following precautions:

  • Avoid clicking on links in unsolicited emails and be wary of email attachments. See Using Caution with Email Attachments and Avoiding Social Engineering and Phishing Scams for more information
  • Use trusted sources—such as legitimate, government websites—for up-to-date, fact-based information about COVID-19
  • Do not reveal personal or financial information in email, and do not respond to email solicitations for this information
  • Verify a charity’s authenticity before making donations. Review the Federal Trade Commission’s page on Charity Scams for more information

You can read the Defending Against COVID-19 Cyber Scams advisory from CISA

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Remote Banking Options

We understand many of our members are practicing safe social distancing and staying home during this time. We encourage you to connect with us through our Digital, Mobile and Telephone Banking services for your banking needs, which are available for most transactions 24/7, from any location.

  • Digital Banking
    • Available 24/7, you can manage your accounts online, including monitoring transactions, transferring and sending money, updating personal information, reordering checks, stopping payment on a check, transferring funds between your California Credit Union accounts and more. Enroll today.

  • Mobile Banking App
    • With our Mobile Banking App, you can securely view your accounts, transfer funds, pay bills, deposit checks and more. This complimentary service is available to all members who have enrolled in our Digital Banking. All you need is a smartphone or tablet and internet data access.

      Apple®, Android™ and Kindle devices:

      Download the Mobile App from either the Apple App Store or the Google Play Store by searching for "CCU Mobile Banking." Supported devices include: Android OS 2.3.3, iPhone v.6 and up, iPad 2nd generation and up, and Kindle Fire.

      Blackberry and Windows 8 mobile devices:

      Go mobile by visiting our website on your mobile device and select “Sign In Here”at the top of the page.

  • Digital Wallet
    • Digital Wallet allows you to store and access your debit and credit cards in one convenient spot. Make secure purchases with your mobile device, or online with your computer. Digital Wallet is available with Apple Pay®, Google Pay™, Samsung Pay or Fitbit Pay™ to help limit contact during checkout.

  • Zelle® Mobile Payments
    • Zelle® is an easy way to send money to any person in the U.S., no matter where they bank. There is no charge for standard or express payments made using Zelle® and payments are usually sent within one business day.

  • ATM Locations
    • Our credit union members have access to ATMs at 13 convenient branch locations across Los Angeles County, and 11 branch locations in San Diego County, plus one new branch location in Orange County. In addition, members have access to more than 30,000 surcharge free ATMs nationwide through the CO-OP® network. Find your nearest ATM.

  • Secure Chat and Email
  • Telephone Banking
    • You can manage your accounts 24/7 with our toll-free automated telephone banking system, 24-Hour Telephone Banking. Check account balances, transfer funds, or make payments remotely from your office, home, and even your car.

      24-Hour Telephone Banking Access: (800) 334-8788, option 1

  • Contact Center
    • Our Contact Center is ready to assist you via phone at (800) 334-8788.

      Our financial specialists are available:

      Monday – Friday: 7AM - 7PM (PDT)

      Saturday: 9AM – 2PM (PDT)

      Please note we are currently experiencing higher than normal call volumes, and we appreciate your patience and understanding.

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Frequently Asked Questions

  • Why is California Credit Union closing some branches?
    • We are modifying branch operations to do our part to help limit the spread of the virus among our members, employees, and communities. These are difficult, but necessary decisions to make as we follow guidance from the CDC and local health authorities. In every case, we will ensure that there are nearby branches open to serve members with immediate branch needs.
  • When will the branches re-open?
    • We will continue to make the best decisions to serve and protect our members and employees. Our Pandemic Response Team is monitoring this situation daily, and we will return to normal branch operations as soon as possible. We have begun to re-open some of our branches that were temporarily closed, and will assess additional re-openings on a case-by-case basis.
  • What should I do if I have a branch appointment?
    • For the time being, certain in-branch appointments may be rescheduled to a phone appointment by your Financial Service Representative. Most appointment activities can be handled over the phone, via secure email, and by fax.
  • Are ATMs still available in all locations?
    • Yes, ATMs will continue to work, and will be monitored regularly to ensure cash is available for members. We will also clean and disinfect the ATMs frequently.
  • Will direct deposit, bill pay or any other scheduled transactions be affected by the branch closures?
    • No, these temporary branch closures will not affect your direct deposits, scheduled payments or any other credit union services or operations.
  • Can I still apply for a mortgage loan?
    • Absolutely. For your convenience, applications can be submitted through our online loan application system. Find more information on Mortgage Loans.
  • Can I still apply for a consumer loan?
    • Absolutely. For your convenience, applications can be submitted through our online loan application system. Find more information on Consumer Loans.
  • How are you ensuring the continued safety of your operations and branches?
    • We have taken a number of precautions within our branch and corporate offices for the health and safety of our communities, including:

      • We are practicing safe social distancing in all our locations, allowing a maximum of five members inside a branch at one time.
      • We are requiring that all members wear some type of face covering or mask while visiting a branch to help prevent the potential transmission of the virus.
      • We have modified our branch operations to do our part to limit the spread of the virus, and help protect our members, employees and communities.
      • We have supplemented our cleaning services with intensive environmental cleaning in all branches and work areas, with a daily disinfecting process for all high-touch areas.
      • We are providing employees with hand sanitizers, disposable gloves, and cleaning wipes at every credit union location as another precautionary step to help protect members and employees.
      • We are in close communication with our team members to ensure we are all following the latest guidelines and safety practices from the CDC and county health authorities.
  • Why am I required to wear a face mask inside a branch?
    • We are following federal, state and local county guidelines, as well as health authority recommendations, in requiring that all members wear some type of face covering or mask while visiting a branch to help prevent the potential transmission of the virus.
  • Should I be worried about fraud?
    • California Credit Union will never ask for your personal information, login credentials or access codes in an email, text or unsolicited calls. We also suggest you verify any requests for donations or support related to COVID-19 are legitimate. For more information on how to protect yourself against fraud, visit our Resource Center or the Federal Trade Commission website for consumer advice.
  • How do I know if I’m eligible for the Government Economic Impact Payment?
    • Under the CARES Act, individuals with adjusted gross income up to $75,000 annually are eligible for one payment of $1,200. Couples who filed jointly and made up to $150,000 combined are eligible for one payment of $2,400. You could also receive an additional $500 for every child, age 16 or under, in the household. The payment amounts decrease for individuals with an adjusted gross income above $75,000 and stop altogether for individuals making more than $99,000 and $198,000 for couples filing jointly. Non-tax filers may also be eligible to receive a stimulus payment. To determine your payment eligibility and amount, please visit the Payment Information Center on the IRS website.
  • How will I receive my Economic Impact Payment?
    • Payments will be made either in the form of direct deposit or check. If your financial account is on file with the IRS, your stimulus payment will be deposited directly into your account. If not, you should receive a paper check mailed to the address on file with the IRS.
  • How will Economic Impact eligibility and payments be determined?
    • Eligibility and payment amounts will be determined based on the amount you earned on your 2019 taxes, or your 2018 return if 2019 has not yet been filed. Non-tax filers may also be eligible to receive a stimulus payment. Please visit the Payment Information Center on the IRS website for more information.
  • When will I receive my Economic Impact Payment?
    • Payments will begin to be distributed in mid-April. Please note that payments are being sent in waves, and not everyone will receive their payment at the same time.
  • How do I know if my financial account is on file with the IRS in order to receive my Economic Impact Payment?
    • The IRS will use your financial account information if it was provided in your 2018 or 2019 tax filings. To verify, you can search your account transaction history to check if you have received an IRS direct deposit refund into your California Credit Union account in the past.
  • How can I check to see if I have received my Economic Impact Payment electronically?
    • You can easily check your latest deposits through Digital and Mobile Banking.
  • Is there a way to track if the IRS has sent my Economic Impact Payment?
    • The IRS has created an online tool called “Get My Payment” on its website that allows you to track your stimulus payment and confirm your payment type. You may also be able to enter your financial account information for direct deposit if your check has not been sent yet.

      For additional Questions/Answers, please visit the IRS site here.

  • How can I receive the most current information?
    • We will update this page with new information as it becomes available. We will periodically send email communications as well, so please ensure your email address is current via Digital Banking.

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Additional Resources

CDC: Coronavirus Information

For the latest information on COVID-19, please visit the Centers for Disease Control and Prevention (CDC) website.

IRS: Tax Relief Information

The IRS has established a website for all tax relief information related to the virus.

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A Message From Our CEO

March 12, 2020

Dear Members:

There is no greater priority than the health and safety of our California Credit Union family of members and employees. Given concerns about the potential spread of the coronavirus (COVID-19), I believe it is important to reach out to you directly with an update on our plans to continue to serve you safely and effectively through this evolving situation. We also send our thoughts and best wishes to those families that have been affected by the virus. 

Our Pandemic Response Team is closely following the guidance of the Centers for Disease Control (CDC) as well as other health organizations and regulatory agencies to continually monitor the situation and help us respond properly. Please be assured that we have comprehensive plans and protocols in place that will enable us to quickly take the necessary steps to continue to provide uninterrupted, safe service to our members.

We also have taken a number of precautions within our branch and corporate offices for the health and safety of our communities, including:

  • We have supplemented our cleaning services with intensive environmental cleaning in all branches and work areas, with a daily disinfecting process for all high-touch areas.
  • We are providing employees hand sanitizers, disposable gloves, and cleaning wipes at every credit union location as another precautionary step to help protect members and employees.
  • We are in close communication with our team members to ensure we are all following the latest guidelines and safety practices from the CDC and County health authorities. As we all work to prepare for this rapidly changing situation, here are some suggestions for actions you can take:

Follow CDC Guidelines: If you have questions about COVID-19, we suggest you visit the CDC website to learn more about preventive measures you can take to protect yourself and your family.

Enroll in Digital & Mobile Banking: We encourage you to sign up for Digital Banking and download our Mobile App from the App Store or Google Play. Learn more about these options here, which allow you to safely access your accounts from your computer or mobile device so you can bank from anywhere, 24/7.

Know Your Local Branches & ATMs: Find the California Credit Union branches and ATMs most convenient to you here.

Check our Website: We’ll continue to post updates on our website, where you can find the latest information about our branches and operational hours.

We realize that some members may face challenges in the weeks ahead. We want you to know that we are here to support and serve you. We will continue to share updates about what we are doing to protect our members and employees.

All branches are open, and we remain ready to provide you with exceptional service. Please reach out to our team, either by phone at (800) 334-8788 or via live chat through our website, if you have any questions or concerns.

Thank you for your continued loyalty,

 

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Steve O'Connell

President & CEO

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