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
President/ CEO

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.

Loan Holiday Ends

As our neighborhoods and economy reopen we’re all adjusting to the new normal; getting back to our routines and for many, getting back to work. We gave you the payment relief needed during the pandemic. Now as the holiday ends, we have the same goal in mind — make it easy for you! 

Loan Holiday FAQ

How will it work if I have automatic payments set up?

  • Payroll Deduction/Transfers/ACH We continued receiving and posting anything that came in to us electronically. All funds will redirect from your share account to your loan starting on your first due date in July. It’s easy, no action necessary!
  • EZ-Pay All EZ-Pay payments were on hold during the Loan Holiday. Any funds related to EZ-Pay during the Loan Holiday stayed in the account/financial institution that they originate from. These payments will resume on your first due date in July.

What if I don’t have automatic payments set up? 

Payments can be made the same as you did prior to the loan holiday. As we continue to see an increase in COVID-19 cases locally, we encourage you to stay healthy by taking advantage of our self-service options: make your payment online through myBURT, utilize our new FCCU2 app, or even good old-fashioned snail mail. Make it easy for yourself – save time, and avoid the line!

Will I have to make a balloon payment?  Will I have to pay all the accrued interest?

No!  Payments weren’t due during the Loan Holiday. No extra payments due or interest or fees, just pick up where you left off and start making your payments again!  If you have an automatic payment set up on your loan, they’re automatically set to start up again in July.  

How will this affect my credit report?

There’s no impact to your credit report from the Loan Holiday.  Your loan is reported as current during the Loan Holiday.

What if I can’t make my payment?

Just give us a ring at 209-948-6024 x 60150. We have our team ready to get you the help you need. But don’t wait, reach out before your payment is due so we can help you. One of our Lending Advocates team members will work with you to customize a relief solution for you.

Visa Vacation

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.

Banking Services

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.

Fee Update

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

  • Overdraft Transfers

  • Share Draft Minimum Balance

  • Loan or Credit Card Late Payment

  • CheckCard/ATM/Credit Card Replacement

  • Skip a Pay

  • Small Balance Loan

  • Account Close

  • Savings Withdrawals over 5 per quarter

  • ACH Transaction fee for single service users

Loan Services

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.