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Where is the Credit Union Located?
2445 Mariondale Avenue, Los Angeles CA 90032.
Get
Driving Directions
What is the Credit Union's
Mailing Address?
2445 Mariondale Ave, Los Angeles CA 90032?
What are the Credit
Union's Hours?
Monday-Friday 8am - 5:30pm
What are the Credit
Union's Phone Numbers?
323-505-2600 – Main Number
323-505-2615 – Fax Alternate Fax – (323) 505-2613
323-505-2609 – TARA Telephone Teller: Instructions
on using TARA
Why is the Credit Union
closed on Saturday?
Because campus activity is minimal on Saturday, and members
can make transactions via TARA Telephone Teller, ATMs or online.
How do I sign up for HFS Online Banking
and Bill Payer?
You can sign up online for these free services. Forgot your
PIN for HFS Online Banking? We can reset it for you; please
call us. (Hint: your Online Banking PIN is not the same as
your debit card or TARA PIN.) Bill Payer is a separate service
from HFS Online Banking. You must have a checking account
to use Bill Payer, but everyone is eligible to use HFS Online
Banking.
> Bill Payer FAQs
I forgot my PIN for
Online Banking or Bill Payer, or locked myself out… What
do I do?
Just call or email us during business hours to reset it: 323-505-2600
or jgull@calstatela-fcu.org. Specify if it is for HFS Online
Banking or Bill Payer.
What do I need to apply for a loan?
First, you must be a member to apply. Then submit a loan application,
along with your most recent pay stub. You can apply for a
loan at any time after you join. If you are self-employed
or on financial aide, contact the Loan Department for instructions
on how to document your income.
How long will it take
for me to get an answer on my loan request?
Loan applications completed online can receive instant feedback. In the event the Loan Officer needs to review your application, most consumer (non-real estate) loan applications take about 3 business days to process. Processing will be delayed unless the application is complete and includes a copy of your pay stub.
How does the credit
union decide what interest rate I qualify for?
The Credit Union always provides the best rate possible, based
on your credit history, income, and other information provided
in your loan application. The Loan Department cannot determine
what rate you qualify for until you submit a loan application
and your credit report is reviewed.
If I apply for a loan, am I obligated
to take it?
No, there is no obligation.
What if I find a better rate elsewhere?
Provide the credit union with a written offer from the other
lender, and we will do our best to meet or beat it!
How do I find out more or apply for
the Credit Union Visa® Credit Card?
Click your mouse for rates and
a loan application.
How do I activate my Credit Union Visa®
Credit Card?
Call 800-543-5073 – credit cards only
How do I find out my Credit Union Visa®
Credit Card balance?
Call 800-808-7230 – credit cards only
Can I get a cash advance on my credit
card at the Credit Union?
Only if you are a member and it is a Visa® Credit Card.
You must bring the card to the credit union. There may be
a fee for this service. See Schedule of Fees and Charges.
What if I lose my Visa® Credit
Card?
Report lost or stolen cards or checks using the appropriate
phone number which is listed on the Contact Us page.
How do I activate my Visa® Debit/ATM
Card?
Call 323-505-2600 before using your card for the
first time
How do I locate a nearby no-surcharge
ATM?
There are 25,000+ CO-OP Network ATMs in the US and Canada,
many accept deposits.
5,000+ surcharge-free COOP ATMs are now available in 7-Eleven stores. Find
one online here.
What if I lose my Visa® Debit/ATM
Card?
Report lost or stolen cards or checks using the appropriate
phone number, which is listed on the Contact Us page.
Does the Credit Union know what my
Visa® Debit/ATM Card PIN# is?
No. The credit union does not have that information and cannot
recover it if you should lose it. A request for a replacement
PIN must be made. There may be a fee for this service. See
Schedule of Fees and Charges.
I must have forgotten my PIN and after
trying it 3 times the ATM has locked me out. What do I do?
The ATM system resets PIN lockouts after 24 hours so you can
try again the next day. In the meantime you can use the card
to make purchases at Point of Sale locations.
What is the maximum amount that can
be withdrawn from an ATM?
Maximum of $500 per day. (Some ATMs owned by other banks or
credit unions may have lower limits.)
What is the maximum daily amount for
Point-of-Sale purchases?
Maximum of $500 per day.
My Visa® Debit/ATM Card is about
to expire. When will I get a new one?
Cards expire on the last day of the month listed on your card.
If you have been using your ATM card you will receive a replacement
about 1-2 weeks before your old card expires. If you are not
using your card, no replacement will be mailed unless you
request one. Please be sure you notify the credit union in
writing when your address changes so you won't miss any
statements or replacement cards!
What if I find a mistake on my statement?
Write or call the Credit Union within 60 days of the statement
date, and explain the problem as clearly as possible.
How do I arrange Direct Deposit of
my paychecks and/or benefit checks?
Ask your employer or the agency that issues the check (such
as Social Security, IRS, etc.) if they offer Direct Deposit.
Your employer or check-issuer may ask you to fill out a form
to start. You will need to know our routing number (on the
bottom of your checks, or call us for this number) and your
account number. You can receive Direct Deposit to checking
or savings. Not only is Direct Deposit convenient, but it
exempts you from the quarterly maintenance fee. Also, Direct
Deposit may qualify you for a discount on non-real estate
loans at the Credit Union!
How do I place a stop payment on a
check?
There are several ways to place a stop payment. You may log
on to Online Banking, then select Services, then Stop Payment
Request, or you may call the credit union, or come in. You
will need to know the check number, date, amount and payee.
For lost or stolen blank checks, you will only need to know
the check numbers. See Schedule of Fees
and Charges.
Is there a per-check charge for checks I write on my account?
No, and there is no limit on the number of checks you can
write.
What is a "check hold?"
A check hold is a hold placed on a check that you have deposited,
but that has not yet cleared the bank it was drawn on. Check
holds are placed based on the amount and type of the check
and the location of the bank it is drawn on. Check holds vary
from 1 to 10 business days.
Can I get copies of statements from
previous months?
Yes, but there may be a fee. See Schedule
of Fees and Charges. Also, check HFS
Online Banking first to see the last 90 days transactions
FREE!
Can I get copies of a check I wrote?
Once a check has cleared your account, a copy of it will be
available in HFS Online Banking for 90 days at no charge.
After that, call or write us to request a copy. See schedule
of Fees and Charges.
I have a check made payable to someone
who is not on my account. Can I deposit at the Credit Union?
We're sorry, but no. Credit Union policy does not permit
us to cash or deposit third-party checks.
What is the Monthly Maintenance Fee?
The monthly maintenance fee of $2 is assessed at the end of each month for accounts with a combined balance of less than $501. To avoid the fee, bring your combined account balance up to or over $501, OR have your paycheck Direct Deposited to your account, OR subscribe to our E-Statements service using HFS Online Banking. Also, members under 18 or over 65 are exempt from the fee. Your combined balance is the total of all your accounts (also called suffixes or sub-accounts) under the same membership number. For example, with $300 in savings, and $201 in checking, your combined balance would be $501 and there would be no monthly fee. Separate fees are not charged for each suffix. See schedule of Fees and Charges.
Can I transfer funds from my Credit
Union account to an account at another financial institution?
Yes, the Credit Union can send wire
transfers to other financial institutions, but there may
be a fee for this service. See Schedule
of Fees and Charges. There is no fee to receive a wire.
What is the maximum cash withdrawal
per day?
You can withdraw up to $500 from ATMs and up to $500 inside
the credit union, for a daily total of $1,000. You can make
additional withdrawals above this limit using money orders
and cashiers or tellers checks. For savings accounts, please
note you are limited to 4 withdrawals and 6 transfers per
calendar month.
How do I change my address?
You must notify us in writing. Download and print an address
change form, or simply write us a letter with your name,
account number, old and new address, and your signature. For
your protection, we cannot accept changes via email or by
phone!
Can minors have accounts at the Credit
Union?
Yes. Children under 18 may open FREE savings accounts which earn dividends with a minimum balance of only $25. The credit union offers FREE Teen Checking accounts to teens 15 - 17. Teens under 16 must have an adult joint owner.
Can my family members join the Credit
Union?
Immediate family members of our members can join, including
siblings, spouses, children, grandchildren, parents, grandparents
and domestic partners. For more information, see Who
Can Join.
What is a dormant account?
Any account that has not had any transactions or written communication
from the account holder for one to three years is classified
as "dormant." By state law, all financial institutions,
including your Credit Union, must escheat (or give) funds
in accounts dormant for three years to the state. If your
account becomes dormant, the Credit Union will attempt to
notify you by mail and by phone, so the account can be made
current – another good reason to notify us of your current
address and phone number.
If you think the State of California might have escheated
funds from your account at this or another institution, check
www.sco.ca.gov.
Last modified: April 3, 2006
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Frequently
Asked Questions (FAQs)