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’re doing to help and protect you. We have kept your money safe and sound for the last 65 years, and we remain financially strong for you today.

Loan Holiday

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.

What does this mean to you?

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.

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.

Loan Holiday FAQ

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.

Access to your Money – Change in Hours

We are doing our part to help slow the spread of the virus and  have decided to temporarily close our Benjamin Holt, Pershing, and Airport branch locations effective March 21, 2020.

Our Lodi, Manteca, and Main branches 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.

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 visit our website to apply.

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.