Your VCCU Loan

is Moving to CFCU Soon
 

Dear Andy, 


As part of the transition from Vocality Community Credit Union (VCCU) to Community First Credit Union (CFCU), your loan will officially move to CFCU on June 1, 2025.



We want to reassure you that your loan—whether auto, personal, or credit card—is in good hands.

Here's what you need to know:


Your Loan Terms Are Staying The Same


  • Your rate, payment amount, and due date will not change.


  • Your loan will continue to be reported to all three major credit bureaus (Equifax, Experian, TransUnion), and the transition to CFCU will have no impact to your credit score.


Your Current Payment Method Will Continue Without Interruption If:


  • Your loan payment is currently set up to automatically transfer from your VCCU checking or savings account. This will continue without interruption.


  • You set up automatic payments using another financial institution’s online banking (example: Chase, Wells Fargo, etc.) to send payments to your VCCU loan. This will continue without interruption. 


Action Required-You Must Update Your Payment Method If:


  • You set up automatic payments using VCCU online banking to pull money from another bank account to pay your VCCU loan. This payment will not process after VCCU systems convert to CFCU on June 1. You will need to make new payment arrangements to ensure your loan payment is received.

Loan Payment Options


The easiest way to make your loan payment is using CFCU Digital Banking. It will be available for you to register beginning June 2. On that day, you can easily make a transfer from your new CFCU checking account to your loan account. You can also connect an account you have at another financial institution to CFCU, just as you did previously.



To see other payment options, visit our Payment Options page.
 

CFCU Loan Services

As an official loan member on June 2, you will have access to a variety of new benefits, including:

  • Skip-A-Pay: This allows eligible loans to skip up to 2 loan payments per calendar year, subject to qualification.
  • Rapid-Dough Loan: A quick $500 with no credit check required.
  • Loan due date changes
  • Optional protection products like:
  • Debt Protection – safeguards your loan in the event of job loss, disability, or death.
  • GAP Insurance – covers the difference between your car’s value and what you owe if it’s totaled or stolen.
 

Need a New Loan or Refinance?


You can apply for a new loan or refinance an existing one online at comfirstcu.org. If you’re working with an auto dealership, just let them know you want to finance through CFCU—they’ll send your application directly to us.
 
 

Get Your Questions Answered Here


We understand transitions like this can raise questions. That’s why we’ve created a detailed FAQ to walk you through everything on our VCCU merger webpage at comfirstcu.org/vocality.


If you still have questions, you can reach our team beginning June 2 at loanservicing@comfirstcu.org or 707.546.6000, Ext 8130
 

Thank you for being a valued member—we’re excited to welcome you to Community First Credit Union!

Community First Credit Union | 1105 North Dutton Ave. | Santa Rosa, CA 95401 US

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