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.
All good things must come to an end.
The Loan Holiday and Visa Vacation were created to help our members during these uncertain times.
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.
We hope you enjoyed the Visa Vacation! It was designed to do the heavy lifting for you and your family. For three months — no monthly interest was accrued on your Visa, and a low payment was due for each month. Now, as the Visa Vacation ends, we want to make it easy for you to get back to making your regular payments on time, with safe options to do so!
Visa Vacation FAQ
When will I see interest start accruing on my Visa again?
Interest started accruing for any purchases you made in the month of July. The interest will start showing on the July statement you receive in August.
Why does my statement show interest due if no interest accrued through the Visa Vacation?
You will still owe interest due from any month’s activity previous to the Visa Vacation if the interest was not paid off with the payments made throughout the Visa Vacation. We did not accrue interest on the Visa for the months of April, May and June so you would not have seen any interest due on your statement for those months.
Did the Visa Vacation affect my credit report?
As long as you were making the lower Visa payment on time throughout the Visa Vacation then there will be no negative impact to your credit reporting.
How is my Visa payment different every month?
Your Visa payment is determined on being 3% of your total new balance or $20.00, whichever is greater, plus the amount of any prior payments that have not been made and any amount over the credit limit.
How can I make my payment without having to physically coming into branch?
We encourage our members to take advantage of our self-service options such as completing transfers online through myBURT, on our new mobile app FCCU2, by calling into our Call Center at (209) 948-6024 or by sending in or dropping off payment at our Quick Drop deposit boxes.
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.
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.