Safe & Sound
We Have Your Back, Always.
To Our Valued Members,
In the wise words of Disney’s Lilo and Stitch: “Ohana means family. Family means nobody gets left behind…or forgotten.”
Families fight for one another, families have each other's back in good times and bad, and no one works harder to keep your family’s money safe and sound than we do. In these uncertain times, my only certainty is no one should get left behind. It’s of the utmost importance to me that you and your family are protected and we do our best to help. These aren’t just words we say; they are core to our credit union philosophy. No matter what the economy throws at us, you’ll have access to your hard-earned money today, tomorrow, and in the future.
Michael P. Duffy
As an FCCU member, we are devoted to you. Your health and well-being are our priority during these uncertain times due to coronavirus (COVID-19). We want to share what we have done to help and protect you. Stay tuned for more news in the near future. We have kept your money safe and sound for the last 65 years, and we remain financially strong for you today.
We are taking the unprecedented steps of declaring a loan holiday. We realize these are some of the toughest times we’ve ever seen and our hope is this will relieve some pressure, allow us to help you take care of your family, and financial needs.
If you have a closed-end consumer loan, you don’t have to make a payment until July*! This is not just an extension or forbearance, a loan holiday freezes your interest and principal during the period.
Loan Holiday FAQ
What do you need to do to get the loan holiday?
Nothing! We are taking care of it all! Whether you are set up on automatic payments or not, your next loan payment will not be due until your first scheduled due date in the month of July. If you have automatic payments, those funds will redirect into your FCCU account.
I heard about the loan holiday Financial Center Credit Union is extending to members will this apply to all of my loans?
All of your consumer loans will be a part of the loan holiday as long as they were not delinquent before March 1, 2020, is not a new loan (disbursement date as of March 15, 2020, or later), is not a VISA, or a real estate, or home equity loan.
Will interest continue to accrue during this loan holiday?
There will be no interest accruing on your loans during this loan holiday. This is not a skip or loan extension, it’s a Loan Holiday – a respite from any payments and any interest accruing during the holiday. After your first scheduled July payment interest will start accruing again at your original loan interest rate.
I have already taken advantage of your COVID-19 loan skip, does that mean I do not qualify for this loan holiday?
Your loan(s) still qualify for this Loan Holiday, you get the same relief of no payments until July with no interest accruing through the holiday.
How many of my payments am I relieved of during this Loan Holiday?
All of them! The number of payments is dependent upon your payment frequency whether you are set up on monthly, semi-monthly, bi-weekly, or weekly, all payments are relieved until your first scheduled payment in July.
More assistance is coming with fee waivers and real-estate extensions.
Remember, we’ve got your back. Today, and always.
* Restrictions apply. Must be a member in good standing. Loan must have been disbursed prior to 3-15-20, loan must have been current as of 3-1-2020. Only applicable to closed-end consumer loans. Visa lines of credit, home equity and real estate do not qualify.
Our Visa Vacation* program will provide members with an extremely low monthly payment — as low as $5 and up to $20! During the Visa Vacation, your Visa products will not be accruing monthly interest until July! Simply make the minimum monthly payment due and your Visa will stay in good standing. You don’t need to do anything else. Like the Loan Holiday, the Visa Vacation is here to do the heavy lifting for you and your family. We’ve Got Your Back
Visa Vacation FAQ
- What is the Visa Vacation program?
Beginning with your April billing cycle, and through May and June, no monthly interest will be accrued on your Visa and you will see a low payment due for each month (payments are $5, $10, $15, or $20 depending on your balance).
For balances up to $500, the payment is $5, balances up to $1,000, the payment is $10, balances up to $1,500, the payment is $15, and balances above $1,500.01 the payment is $20.
- Why does my statement show interest due?
You will still owe interest due from previous month’s activity on your visa. We will not accrue interest on the Visa for April, May and June. Your monthly April, May and June statements will show no interest charged for those months.
- Why do I need to make a payment on my Visa but I don’t have to make a payment on my car loan until July?
Visas are different than regular consumer loans like your car loan. With a Visa you make purchases against your line of credit during the month and so we’re providing relief by reducing the payment amount to a small minimum payment.
- When does the Visa Vacation start? When does it end?
The Visa Vacation starts with the April billing cycle which you’ll see on your April statement. The program is scheduled to go through the June billing cycle.
- I want to make a bigger payment to my Visa loan, can I do that?
Yes, you can make any size payment to your Visa during the Visa Vacation. We simply reduced the minimum payment amount required to provide relief to members who may be struggling to during this unprecedented time.
- Will the Visa Vacation negatively affect my credit report?
Simply make the lower monthly minimum payment due and your Visa will stay in good standing.
- Why did part of my payment go to interest?
The interest part of your most recent payment was interest from the previous month. When you make a payment, the payment goes to interest first, then principal. You can see the interest accrued on your previous month’s Visa statement.
Change in Hours
During these uncertain time we want to ensure you have access to your money while doing our part to help slow the spread of the virus. Benjamin Holt, Pershing, and Airport branch locations are temporarily closed until further notice.
Our Lodi, Manteca, and Main branch locations will continue to operate normal business hours to ensure you have the ability to access your money and perform banking services at these locations.
We have strengthened our cleaning procedures in all branches and offices, and educated our employees on best practices recommended by Centers for Disease Control and Prevention (CDC).
In an effort to stay healthy by minimizing exposure, we strongly encourage you to use our myBURT online banking, ATM’s, and night drop at this time. Your ATM/Check Card limits have been automatically increased to ensure you have quick access to the cash in your account.
As schools and daycare centers in our communities are being closed, we ask our members to please be patient during visits to our branches and/or calls to our Call Center.
We’re here for you during these uncertain times. No matter what the economy throws at us, we will always have your back!
We have waived fees to help you access your money and give you peace of mind.
There will be no Financial Center Credit Union fees for the following types of services:
ATM transactions at non-FCCU ATM’s
NSF/Account Overdraft and ACH Dishonored/NSF Return
Share Draft Minimum Balance
Loan or Credit Card Late Payment
CheckCard/ATM/Credit Card Replacement
Skip a Pay
Small Balance Loan
Savings Withdrawals over 5 per quarter
ACH Transaction fee for single service users
Financial Center Credit Union’s commitment to our members and the community we serve includes responding with compassion and urgency to those who are experiencing financial hardship during these difficult times.
If you, or those closest to you, are affected by the Coronavirus financially, we are with you.
To ensure you have enough spending power, reach out if you’d like to apply for an increase to your FCCU Visa Credit Card. If you don’t have an FCCU Visa Credit Card, give us a call or apply via this site by clicking below.
If you are a member needing assistance to apply for a personal loan, we’re here for you:
Call (800) 427-6024 Monday through Friday from 9:00 a.m. to 6:00 p.m.
Click here to apply for a loan***
Most importantly, please take care of yourself and your loved ones, and we'll continue looking out for your financial well-being. We have kept your money safe and sound for over 65 years, we will continue to have your back during this time as well.