April 8, 2020


Important Small Business Administration (SBA) Information for Business Members

Temporary Branch Hours Effective April 6, 2020

As our federal, state and community officials encourage increased social distancing, we ask you to consider avoiding or postponing any in-person visit in favor of other remote means of transacting business and accessing your accounts, where possible.

Effective April 6, 2020 temporary branch hours will be as follows:

 10 am - 4 pm    Monday through Friday
 10 am - 2 pm    Saturday

The Member Service Center hours are unchanged. They can be reached by phone during these hours:

 8 am - 5 pm     Monday through Wednesday 
 8 am - 6 pm    Thursday and Friday
 9 am - 2 pm    Saturday

In addition we have introduced the following branch protocols:

  • To ensure the health and well-being of our members and staff, we are practicing social distancing at all of our branches.  
  • At times, each branch may be limiting the number of members allowed inside at one time  - the number will vary by the size and staffing of the branch.
  • Depending on staff availability, there may be a greeter at the door to help guide the flow of traffic into the branch.

Many of your needs can be met more conveniently by using our remote services online, available 24/7 on your mobile phone and at any CO-OP ATM.

We ask for your patience during this change in protocol at our branches.

We have been monitoring the ever-changing situation concerning the coronavirus (COVID-19) and will frequently update this page with the latest information about our branch operations, options for accessing your accounts and general precautions to help you stay safe and healthy.

How can we help you?

  • Small Business (SBA) Assistance

    At this time, we are not yet taking applications for the Small Business Administration’s Paycheck Protection Program under the CARES Act. We anticipate an electronic only application becoming available soon via our online banking portal.

    We are asking that you review the Small Business Administration (SBA) website and selecting the link for Coronavirus (COVID-19): Small Business Guidance & Loan Resources for more information.

    There are several programs available on their site as well as information on programs you can participate in directly through the SBA.

    If you are a member with Ventura County Credit Union, we will be providing additional updates via our online banking portal as well as our statements and email messaging about programs that will be available to you. 

    In the meantime, if you have any questions, please email us at sbaloans@vccuonline.net

    Please note: If you do not have a business account with VCCU or opened your account after February 15, 2020, we cannot accept your application for this program. 
  • Your Money Insured by NCUA

    As a member of Ventura County Credit Union, your accounts are federally insured to at least $250,000 per individual depositor by the National Credit Union Administration (NCUA). To learn more, visit www.mycreditunion.gov.
  • Financial Assistance & Resources

    We stand ready to assist members with financial challenges that may result from missed work, business closures, medical expenses and more. Here are just a few options available:

    VCCU Mortgage Loan Assistance Programs provides you with options to address the hardships that you may be facing in paying your VCCU mortgage loan. Please go to loansolutioncenter.com and register or call 866.397.5370 or send an email to lossmitinquiry@DMICorp.com with your mortgage loan number stating that you would like COVID-19 assistance.

    Assistance is available for your VCCU auto loan or other consumer loan. Members are eligible for loan payment deferrals of 90 days for auto loans and 60 days for credit cards and lines of credit. To request a deferral, please send an email to ConsumerLoanServicing@vccuonline.net. Please include your full name, street address, and identify which of your consumer loans you wish to have the payments deferred.

    We have various programs to help your business during this time of financial hardship as well. Please send a request for assistance to sbaloans@vccuonline.net and one of our Business Professionals will contact you to provide options that are available for your business. You can also give us a call at 805.477.4000.

    We have an emergency loan program. Members can qualify for our signature loan of up to $5,000 with a discounted rate. There are no payments due for the first 90 days. Apply through our website, mobile app or over the phone.

    Financial management resources: Balance, our financial education partner, has free webinars, videos, articles and one-on-one financial counseling to help with money-management needs. Click here to get started.

    En Español

    Esta comunicación incluye información importante. Por favor, llámanos al 805.477.4000 si tienes preguntas o necesitas ayuda traduciéndola.
  • Member Service Center

    Call 805.477.4000 or 800.339.0496 during normal business hours to: 

    • Inquire about your accounts

    • Transfer funds and make loan payments

    • Apply for a loan


  • Online Banking

    Log into your account to:

    • Manage your account

    • Pay bills

    • Transfer funds and make loan payments

    • Access your statements

    • Send us a secure email message with account inquiries

    • Apply for a loan

    • Set up account alerts

    If you have not enrolled in Online Banking, click on the Online Banking Registration link and follow the prompts.
  • Mobile Banking

    In addition to having all of the Online Banking functionality, you are able to:

    • Add travel notes

    • Deposit a check remotely (link to video)

    • Download the VCCU Mobile App at the Apple Store or get it at Google Play. For additional tips, view the instructional video below. 


      Download the VCCU Mobile Banking app* on all of your Apple or Android devices:

      Available on the App store         Get it on Google Play

      Once the app is downloaded and installed:

      • Open the app

      • Tap "Sign In"

      • Use the same Username and Password as you do on Online Banking

      • You're ready to use the VCCU Mobile Banking app!

      It's that simple! After you have logged into the app you can start enjoying all of the time-saving, convenient features Mobile Banking has to offer. You will be able to do it all, from checking your balances to transferring money to depositing checks, all from your Apple, Samsung or Android device. 

      * VCCU Mobile App requires Apple iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch. VCCU Banking App requires Android version 4.0 and up.


    VCCU Mobile Wallet

    Add Apple Pay, Google Pay, or Samsung Pay to your mobile device for touchless payment transactions. Check out the video below to learn how to set up Mobile Wallet on your device.

     

    Apply Pay LogoSamsung Pay logoGoogle Pay logo

  • ATM Network

    • Withdraw cash at over 30,000 CO-OP network ATMs, Ventura County Target stores and Rite Aid stores in Ventura and Santa Barbara county.

    • Deposit cash or checks at VCCU ATMS throughout the county.

    • Check account balances and transfer between accounts.

    Click here for a list of ATMs throughout Ventura County. 
  • Scam Alerts

    • Be aware that scammers are taking advantage of the uncertainty caused by the coronavirus.

    • Use caution with emails, texts or social media posts selling bogus products or asking for personal information. The Federal Trade Commission offers a Consumer Information site with additional things to watch for and more.

    • VCCU will never ask for your personal information in an email or on a phone call you did not initiate.