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Digital and Mobile Banking will be unavailable on Saturday 4/11, 7:30pm to Sunday 4/12, 1:30am due to system maintenance. We apologize for the inconvenience.

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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.

The following branches will be closed:

Los Angeles/Orange County San Diego County
Covina Encinitas
Valencia 5th & Laurel
Beaudry North Island Naval Air Station
Santa Ana

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

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.

In-Branch Appointments & Events

Telephone and Live Chat Hours

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

Consumer Credit Card Payment Deferral

HELOC/Mortgage Loan Payment Assistance

Penalty-Free Certificate Withdrawals

Signature Loan with Reduced Annual Percentage Rate (APR)

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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

Mobile Banking App

Digital Wallet

Popmoney® Mobile Payments

ATM Locations

Secure Chat and Email

Telephone Banking

Contact Center

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Frequently Asked Questions

Why is California Credit Union closing some branches?

When will the branches re-open?

What should I do if I have a branch appointment?

Are ATMs still available in all locations?

Will direct deposit, bill pay or any other scheduled transactions be affected by the branch closures?

Can I still apply for a mortgage loan?

Can I still apply for a consumer loan?

How are you ensuring the continued safety of your operations and branches?

Should I be worried about fraud?

Will the IRS contact me to verify my account information so that I can receive the Government’s Economic Impact Payment?

How can I receive the most current information?

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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,

 

signature

Steve O'Connell

President & CEO

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Service Updates

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.

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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

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.

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If you are a consumer credit card cardholder in good standing, you can choose to defer one credit card payment without incurring any fees or penalties2 Please call us at (800) 334-8788 if you would like to defer your credit card payment.

2Eligible consumer credit card accounts must be in good standing and credit card payments must not be past due more than 30 days. Finance charges will continue to accrue during the deferment period. Deferring a payment may increase the finance charges.

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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.

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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.

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If you are 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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Remote Banking Options

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.

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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.

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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.

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Popmoney® 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 Popmoney® and payments are usually sent within one business day.

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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.

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You can connect with us securely through chat or email, available via Digital and Mobile Banking. Or chat with us regarding general inquires through our website.

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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

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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

A: 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.

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A: 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.

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A: 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.

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A: 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.

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A: No, these temporary branch closures will not affect your direct deposits, scheduled payments or any other credit union services or operations.

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A: Absolutely. For your convenience, applications can be submitted through our online loan application system. Find more information on Mortgage Loans.

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A: Absolutely. For your convenience, applications can be submitted through our online loan application system. Find more information on Consumer Loans.

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

  • We are allowing a maximum of five members inside a branch at one time.
  • 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 promoting safe social distancing in all our locations.
  • 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.

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A: 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.

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A: For information on the Government’s Economic Impact Payments, including eligibility and the process to receive payments, please visit the IRS website here.

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A: 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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