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Coronavirus (COVID-19) Updates

This page was last updated on 3/26/2020 at 12:00 P.M.            
 

At Cabrillo, our priority is to ensure the safety and wellbeing of our members, staff and community. We continue to monitor the situation with Coronavirus (COVID-19), and will provide updates as they become available. 


Financial Resources

We have programs in place to assist you, if you are impacted:     

  • Skip-A-Payment* - We are refunding the $25 Skip-A-Payment fee, on any qualifying loans between March 1 and April 30, 2020. You can expect to see a credit back in your account within 1-2 business days. 
    • Auto and Personal Loans - To skip eligible loans, go to the Loan Center in eBranch or our mobile app and select Skip-A-Payment. You may also contact Member Support, or log in to eBranch to send a secure message to General Inquiries.
    • Cabrillo Mastercards - If you would like to skip your Mastercard payment, please contact Member Support, or log in to eBranch to send a secure message to General Inquiries.
    • Cabrillo Real Estate Loans and HELOCsFor members who need it, we are committing to deferring your mortgage payments for up to 90 days. Please contact Member Support, or log in to eBranch to send a secure message to General Inquiries.
  • Pandemic Assistance Loan - In order to help our members who have been financially impacted, due to a job loss, or additional expenses, such as childcare, we have you covered.
  • Up to $5,000
  • At 3.99% APR*
  • For up to 24 months
  • No Origination Fee
  • No Payments for 90 Days
 Apply Now
  • Customized Assistance Plans - In the event that your loan isn’t eligible for our Skip-A-Payment program, don’t worry. Our team will do our best to create a personalized solution to help you. 
  • Additional Fees Waived - For peace of mind, we are also waiving fees for the following services, through April 30, 2020:
    • Cashier's Checks
    • Temporary Checks
    • ATM Fees**
    • Wire Transfers
    • Early Withdrawal Fees on Certificate of Deposits

*APR= Annual Percentage Rate. 3.99% rate offered up to a 24-month term on approved credit. Subject to credit review. A 3.99% APR loan of $5,000 has about 52 bi-weekly payments of $101. Some restrictions apply. Maximum first payment deferral of 90 days. Skipping your loan payment will lengthen the term of your loan and may reduce a claim on your GAP policy, if applicable. Interest continues to accrue during skipped payment. Federally insured by NCUA

**We will be waiving the $1 non CO-OP ATM fee. You may still incur fees from the other ATM provider.


Our Branches are Open                                                                     

At this time, all Cabrillo Credit Union branches remain open and ready to serve you. 

We've altered our daily cleaning procedures to more frequently disinfect high-touch surfaces and have made hand sanitizer readily available. We have educated our branch teams on best practices recommended by the CDC.

In order to comply with social distancing recommendations, we are encouraging members to utilize eBranch whenever possible. 


Self-Service Options

We're here to serve you, even if you're at home! You can access your accounts and perform transactions through our eServices, or by contacting Member Support.

  • Online and Mobile Banking - eBranch and our mobile app allow you to conduct most transactions remotely. You can apply for and pay loans, complete a Skip-A-Payment (for eligible loans), deposit checks, send secure messages and more! Click here for more details, to enroll in eBranch, or download our mobile app.
  •  
  • Getting Cash - Cabrillo has ATMs across San Diego available for your use. You also have surcharge-free access to over 30,000 CO-OP ATMs nationwide. We recommend sanitizing your hands after using any ATM. 
  •  
  • Member Support - Member Support can assist you with most transactions that are normally performed at branches. Contact Member Support Monday - Thursday from 7:30 AM - 5:00 PM and Friday from 7:30 AM - 6:00 PM. 
  •  
  • Shared Branches - Cabrillo is part of the CO-OP Shared Branch Network, which gives you free access to over 5,600 CO-OP shared branches nationwide. Shared Branching may be temporarily impacted due to COVID-19/Coronavirus. Please visit http://www.co-opcreditunions.org/locator​ for available locations.

Coronavirus Scam Alert

Be aware, as times like these bring about an increase in scams. The Federal Trade Commission offers tips to help you stay protected.

They recommend to not click on links from sources you don't know, watch for emails claiming to be from the CDC or experts on the Coronavirus, to ignore online offers for vaccinations, and research charities you're considering donating to. You can read more about these tips and what the FTC is doing here.

Cabrillo takes the security of personal and financial information very seriously. Remember, we will never call or email you asking for your password, social security number, user ID, routing number, PIN or any other confidential information.

For the most up-to-date information on how to stay safe online, visit our Fraud Prevention Library today. 


Message from our CEO sent 3/26/2020

Dear Member,

With all the uncertainties of the Coronavirus Pandemic, we want you to know that Cabrillo is here to assist you. Our executive team continues to meet every day, to discuss more options to help you during this stressful time.

We know that the impact of the COVID-19 Stay-at-Home order has financially impacted many members due to layoffs or less hours worked.

If you are impacted and need assistance, we are offering a Pandemic Assistance Loan.

Pandemic Assistance Loan

  • Up to $5,000
  • At 3.99% APR*
  • For up to 24 months
  • No Origination Fee
  • No Payments for 90 Days
  • Subject to credit review

Apply Now

Beware of Scammers and Fraudsters

Scammers and hackers are very active right now. Unfortunately, they are preying on peoples' fear to let their guard down.

Trending schemes include phishing emails, disguising sale of COVID-19 resources and other Investment or charity plots, tricking people to send money by providing their account information. 

As a reminder, we will NEVER call, text or email you asking for personal information, including: your password, social security number, user ID, PIN or any other confidential information.

If you encounter any suspicious activity, please contact Member Support to verify or report it.

Cabrillo Branches

While all Cabrillo branches are open and ready to serve you, some Shared Branches may be temporarily impacted due to COVID-19. Please visit the CO-OP Financial Services Branch Locator, for a list of available locations near you. 

Electronic Services

Remember, eBranch and our mobile app are always available to access your accounts while at home.

You can apply for and pay loans, complete a Skip-A-Payment (for eligible loans), deposit checks, send secure messages and more! Click here for more details, to enroll in eBranch, or download our mobile app.

Mobile Wallet

If you need to make purchases at the store, remember you also have access to Apple Pay®, Google PayTM, and Samsung PayTM for a touch-less and secure purchase. 

Keeping You Informed

Since the situation is continuously evolving, please visit our COVID-19 Updates page regularly, to get the latest information regarding Cabrillo.

We truly appreciate your membership, and I hope that you and your family remain healthy throughout the Pandemic.

Warm Regards,
Mike DeShazo
President & CEO

*APR= Annual Percentage Rate. 3.99% rate offered up to a 24-month term on approved credit. Subject to credit review. For example, a typical loan of $5,000 has 52 bi-weekly payments of $101; APR 3.99%. Some restrictions apply. Maximum first payment deferral of 90 days. Skipping your loan payment will lengthen the term of your loan and may reduce a claim on your GAP policy, if applicable. Interest continues to accrue during skipped payment. Federally insured by NCUA.

Message from our CEO sent 3/20/2020

Dear Member,

We understand that these are stressful times and everyone is uncertain of what the coming days and weeks may bring. As things are changing daily, we are constantly working to keep up with those changes. I want to reassure you that we are (and will be) here to support you. 

My team and I are meeting at least 2 times each day to monitor the evolution of the COVID-19 pandemic. We are evaluating its potential impact on our members, both in San Diego and around the country.

Our physical branches and eBranch remain open and fully staffed.

Our team stands ready to assist you!

We realize that school closures can have a financial impact, due to the possible necessity of childcare. And while government programs are being put into place, these things take time.

Don't worry! Cabrillo has you covered.

We have programs in place to assist you, if you are impacted:

1) Skip-A-Payment*

We are refunding the $25 Skip-A-Payment fee, on any qualifying loans between March 1 and April 30, 2020. You can expect to see a credit back in your account within 1-2 business days. 

  • Auto and Personal Loans - To skip eligible loans, go to the Loan Center in eBranch or our mobile app and select Skip-A-Payment. You may also contact Member Support, or send a secure eBranch message to General Inquiries. 
  • Cabrillo Mastercards - If you would like to skip your Mastercard payment, please contact Member Support, or send a secure eBranch message to General Inquiries. 
  • Cabrillo Real Estate Loans and HELOCs - Please contact our Loan Department at 800-222-7455 (option 2), or send a secure eBranch message to Loan Support. 

2) Pandemic Relief Loan

Next week we will be launching our Pandemic Relief Loan, in order to help our members who are financially impacted, due to a job loss, or additional expenses, such as childcare. (Details coming soon.)

3) Customized Assistance Plans

In the event that your loan isn’t eligible for our Skip-A-Payment program, don’t worry. Our team will do our absolute best to create a personalized solution to help you.  

4) Additional Fees Waived - For peace of mind, we are also waiving fees for the following services, through April 30, 2020: 

Cashier's Checks 

Temporary Checks 

ATM fees** 

Wire Transfers 

Access your money 24/7/365!

Our electronic services are a great way to access your account when it is convenient for you.

Transfer money, pay bills, deposit checks and more, from the comfort and convenience of your home. 

It is also a time to be extra cautious!

Scammers and hackers are very active right now. They are preying on peoples' fear to let their guard down. As a reminder, we will NEVER call, text or email you asking for personal information, including: your password, social security number, user ID, PIN or any other confidential information. 

Get the latest updates...

Since the current situation is rapidly evolving, please visit our COVID-19 Updates page regularly, to get the latest information regarding Cabrillo. 

Most importantly, I want to reassure you that you are part of the Cabrillo family and by working together, we will all get through this stressful situation.  

With Regards,
Mike DeShazo
President & CEO

*Skipping your loan payment will lengthen the term of your loan and may reduce a claim on your GAP policy, if applicable. Interest continues to accrue during skipped payment. Federally insured by NCUA.
**We will be waiving the $1 non CO-OP ATM fee. You may still incur fees from the other ATM provider.

Message from our CEO sent 3/11/2020

Dear Members,

As the coronavirus continues to be front and center in everyone’s mind, we wanted to take this opportunity to reassure you that Cabrillo has emergency plans in place, in the event of a pandemic, or natural disaster. 
 
We stand ready to support our members during difficult times.
 
Here’s how:

1. Cabrillo has a comprehensive emergency plan. It is reviewed and updated regularly. The plan addresses both disasters AND pandemics.

Since a plan is only as good as the people who implement it, we have established a Crisis Management Team, that regularly holds “mock drills” to ensure that everyone is prepared when a real emergency strikes. 

2.  We have made a significant investment in our infrastructure, to provide redundancy. We built a network of safe sites, with locations around the country. In the event of an emergency or natural disaster in San Diego, our systems will automatically “cut over” to one of our other backup locations. This way we can continue to support you, even if a disaster strikes San Diego AND other areas around the country.

3.  Employees in key positions have been equipped with the ability to work remotely, so they can continue to work, even if they can’t get to one of our office locations. And our electronic systems give you the ability to transfer money and pay bills, without having to leave your home.

The Cabrillo Credit Union Leadership team and Board of Directors have invested a lot of time, energy and resources to ensure that your money and personal information are safe and secure. Our strong investment to provide you support during a disaster or pandemic is part of our commitment to providing you with the best service possible.

In regards to Coronavirus COVID-19, if you visit our branches, please know that our branch teams are available to serve you, as always.

We've altered our daily cleaning procedures to more frequently disinfect high-touch surfaces and have made hand sanitizer readily available. We are also educating our branch teams on best practices recommended by the CDC.

 
Our hearts go out to the Coronavirus victims and their families. We sincerely hope that the situation is resolved quickly and that more lives aren’t lost.   
 
With Regards,
Michael A. DeShazo
President & CEO