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About Us

Cabrillo CU offers notary service for all Cabrillo documents at each of our branch locations. We provide this service free of charge.  Please contact our Member Support Department to schedule an appointment.

Click here to join online or visit one of our branch locations. If you have any questions contact our Member Support Department.

Cabrillo Credit Union
PO Box 261169
San Diego, CA 92196-1169

There are four Cabrillo branches and 25 shared branches throughout San Diego County. Cabrillo branches are located in Scripps Ranch, Chula Vista, Downtown, and La Mesa. Please click here for address details and operating hours.

Account Services

To request a wire please visit a Cabrillo location or contact our Member Support Department.

We send/accept both domestic and foreign wire transfers. The deadline for sending same-day wires is 11:00 a.m. PST. 

Wire requests that are not signed in our branches are required to be submitted via online banking messaging and also require a secondary verification process.  A wire transfer agreement and request are required for all outgoing wires.

Outgoing Wire Transfers:

Please contact the receiving institution for specific wiring instructions. The account holder assumes sole responsibility for providing correct wiring instructions.

When requesting a wire transfer in the continental U.S., please have the following information available:

  • Your name, Cabrillo CU account number, and the amount of the transfer.
  • The full legal name of the receiving financial institution and their on-line Federal Reserve routing number (ABA number).
  • Full name, account number, and address to which the transfer will be credited.
  • Wire purpose.

Outgoing wires can be sent Monday-Friday. Instructions must be received by 11:00 a.m. PST for wire transfers to be sent that day. Cabrillo CU cannot guarantee same-day availability. A fee may apply for outgoing wires.

For wires outside the continental U.S. please contact our Member Support Department.

Incoming Wires

Incoming wires are initiated by the financial institution sending the funds.  Incoming wires will be posted when received from the financial institution.


Our Routing Number is 322274488. These nine numbers can be found in the bottom left corner of your check or deposit slip. The next set of digits are your account number.


While logged in to eBranch, go to eServices > Account Alerts. Using the dropdown on the right, select the type of Alert to set up.

You can set up the following Alerts:

  • Date Alerts - Birthday, Anniversary, Meeting, Call, Wakeup, Appointment, Vacation, Travel, General
  • Account Alerts - Based on current and available balance
  • History Alerts - Debit transaction, credit transaction, check number, description
  • Online Transaction Alerts - Alert when the following are processed online: Change of Address, Check Reorder, External Transfer, Funds Transfer, Send Check and Stop Payment
  • Security Alerts - Enable/Disable predefined security alerts

Delivery methods are: secure message only, email, phone, text message, or push notification. Only one method may be chosen per alert.

When you create an alert, it takes effect immediately and stays in effect until you disable or delete it. You can set an alert to occur immediately. If you miss an alert, you may need to change settings or double-check the Messages inbox. If you don't see an email alert, check your junk email folder. If your alert was delivered there, configure your mail settings to allow messages from our email address.

Tip: when you select Every Occurrence, a Transaction Alert is sent every time the conditions match.


Deposits to non-Cabrillo Credit Union ATMs are allowed only at CO-OP ATMs that accept deposits. Search deposit accepting ATMs near you. If an ATM accepts deposits that fact will be noted under "Services Offered" when you click on the financial institution name.

Visit our Locations & Hours page for several search options including deposit-taking ATMs.

You may contact our Member Support Department or send a secure message through eBranch to request that one be mailed to you. There is a $5.00 fee for a replacement card.

You can make:

  • Check Deposits
  • Cash Withdrawals
  • Cash Loan Advances
  • Loan Payments by check
  • Transfers within your accounts
  • Review Balances
  • Recent History showing the last ten items that cleared your account

Bill Payment

You have until 9:30 a.m. the day after the bill payment was processed to stop the payment. The funds will be deposited back to your account within one business day. To stop a payment, contact the Bill Payment Help Desk at 866.202.5489.

Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via a secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Bill Payment help is available M-F 4:30 AM - 11 PM PST and toll free at: 866.202.5489. You may also chat directly with a Bill Payment representative via eBranch by selecting eServices > Bill Payment then visiting "Advanced Options" (appears only when you have successfully enrolled in Bill Payment) and "Visit Bill Pay Site."  Chat Now on the top right side of the page.

The first step is to ensure you are enrolled in Bill Payment.

  • eServices > Select Account to enroll > Enroll in Bill Payment

Once enrolled, add a payee, the person, or company you wish to pay. Here’s how easy it is:

  • Log in to eBranch and go to eServices > Bill Payment
  • Select “Add payee”
  • Enter the requested information. Typically this information can be found on your latest bill statement.

Once you add your payee, you can start making payments in seconds.

Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.

You have until 1:00 p.m. to schedule a bill payment if you want it to be processed the same day. Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.

The funds will be debited from your account at approximately 1:30 p.m. on the day the bill payment is processed.

Card Controls

Cardholders can control when and where cards can be used as well:

  • View and act on instant alerts when transactions are processed
  • Perform card management functions such as turning the card on/off
  • View balances and transactions
  • Transfer funds between accounts linked to a card
  • Search for nearby ATMs

While a transaction notification is sent/received in real-time, the message will display the transaction with a Central timestamp. This is nothing to be alarmed about.

No. Only the cardholders' cards will prepopulate in the Card Control menu. However, multiple cardholders' cards can be registered to one primary device.

Card Controls is currently supported by Android™ and iOS™ mobile operating systems. The application can be accessed within eBranch under Card Management.

screenshot of mobile app with Card Management menu expanded

During your initial login attempt, you will be prompted to establish a Primary Device. Establishing a Primary Device is required to receive alert notifications. After this selection has been made, scroll (if applicable) through the card images located on the home screen, ultimately landing on the card of preference.

screenshot of Merchant Controls  screenshot of Control Preferences  screenshot of Location Controls  screenshot of Transaction Controls  screenshot of Spend Control

By following the above steps and selecting the radio button for Card ON/OFF.

screenshot of Card Details

Select the Menu icon ( ) located in the top left-hand side of your screen. Locate Messages for all recent Transaction alerts. Tap on the appropriate transaction to expand the message details. 

Settings to consider when troubleshooting:

  • My Location – Mobile device location denies transactions when significant location changes are detected.
  • My Region – Uses the information based on established region setting (i.e. map perimeter within selected window pane – be sure to review this carefully before turning the feature on).

Screenshot of Transactions screen displaying a 'Denied In-store Authorization Transaction' message

Checking Account

Checks can easily be ordered by logging into your account online, by contacting the Member Support Department at 800-222-7455, visiting one of our offices, or by calling the automated phone system at 877-838-5287.

There are several ways to view cleared checks. Once logged into your account either scan through the history or click on “Show Filters” to enter the check number(s). Click on the check icon to view check image.

Credit Card

To activate a debit or credit card and PIN, please call the card activation number at 866.762.0558.

If a charge appears on your statement that you wish to dispute, first contact the merchant in an attempt to correct the situation. In the event that the merchant can't help, submit a detailed eBranch message, which must include the following:

  • Cardholder's name and signature
  • Credit Card Number
  • Transaction Amount(s), Purchase Date(s), and  Merchant Name(s)
  • Explanation of why charge(s) are being disputed
  • What steps have been taken to resolve the dispute with the merchant
  • Include copies of any pertinent documentation to help prove cardholder's case (receipts, brochures, proof of return, etc.)

You may contact our Member Support Department for information regarding your dispute.

Credit Score by SavvyMoney®

SavvyMoney is a comprehensive Credit Score program offered by Cabrillo Credit Union, that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how your financial institution can help save you money.

Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

SavvyMoney Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries.  You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Like Credit Score, when you check your credit report, there will be no impact to your score.

No. SavvyMoney is entirely free and no credit card information is required to register.

As long as you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed SavvyMoney site from within online banking.

No, Cabrillo Credit Union uses its own lending criteria for making a loan decision.

No, your SavvyMoney Credit Score is a free service to help you understand your credit health, how you make improvements in your score and ways you can save money on your loans with Cabrillo Credit Union.

SavvyMoney uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

SavvyMoney Credit Score can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with Cabrillo Credit Union.

The SavvyMoney Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their SavvyMoney Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

No. Checking SavvyMoney Credit Score is a “soft inquiry”, which does not affect your credit score.  Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

Yes. SavvyMoney will monitor and send email alerts when there’s been a change to your credit profile.


To begin using your account online, please click on the 'Enroll' link in the eBranch Secure Login box on our homepage. Select Enrollment Type and complete the required fields to create your Login ID and password.

To change your password log into your account and click Profile > Security Preferences > Change Password. If you do not remember your password, please click on the 'Forgot Password' link on our website homepage to reset access.

Yes! Cabrillo CU offers a free service that allows you to transfer funds between your account with us and another financial institution. To get started, login to eBranch, click on Transfers & Payments, then Add Other Institution. From there you will be given easy step-by-step instructions for the setup process.

Yes! Currently we offer Mobile Banking Apps for the iPhone® and Android™. The apps can be downloaded by searching for Cabrillo in the iTunes App Store or in the Google Play Store.

It's easy and free to sign up for eStatements. Here's how:

  1. Log in to eBranch
  2. Click on "Services"
  3. Select eStatements
  4. Review and accept the Disclosure

You'll begin receiving your regular account statements electronically. We'll email a reminder to you when a new statement is ready and then you simply login to your account to view it.

First select an account to view from the Home page.

To download account information from your Cabrillo account into Quicken, go to the History of the account you want information from, select 'Export' icon (to the left of options) choose the Quicken format, and download will begin. During this step a Quicken download box will popup asking if you want to open or save the file. If you want a specific date range to import into Quicken, click on Filters, choose the date range then select 'Apply Filters' and select 'Export' icon. You may also use Quicken's One Step Update if you have your Cabrillo accounts setup in Quicken.

Login to eBranch, click on Services, eStatements, select your primary savings account, then on the + sign to view eStatements.

Users are able to edit single and recurring transfers if both of the following are true:

  • The process date of transfer (or at least one transaction in the series) is in the future;
  • The transfer is not in a terminal status (such as cancelled, failed, or processed).

All the transfer’s current information is prepopulated on the screen as a starting point.

For individual transfers, the following can be changed:

  • From Account
  • To Account
  • Transfer Date
  • Amount
  • Memo

All the transfer series’ current information is prepopulated on the screen as a starting point.

For recurring transfers, the following can be changed:

  • From Account
  • To Account
  • Transfer Amount
  • Frequency
  • Repeat Duration/End date
  • Memo

Currently, funds transfers are the only type of generated transactions that can be edited. Other types of transactions, including ACH and Wire transactions, do not support this edit workflow.

Users are able to edit single and recurring transfers if both of the following are true:

  • The process date of transfer (or at least one transaction in the series) is in the future;
  • The transfer is not in a terminal status (such as canceled, failed, or processed).

eServices > eBranch Activity > Recurring Transactions tab > Find Transaction that needs to be edited > Actions > View Transactions in Series 

Transactions in Series section > Find specific transactions that needs editing > Actions > Edit

Users are able to edit single and recurring transfers if both of the following are true:

  • The process date of transfer (or at least one transaction in the series) is in the future;
  • The transfer is not in a terminal status (such as canceled, failed, or processed).

eServices > eBranch Activity > Recurring Transactions tab > Find Transaction that needs to be edited > Actions > Edit Series

eBranch - Enhanced Security

Each Secure Access Code you request is valid for 60 minutes. If a SAC has been used already it cannot be used again. Requesting multiple SACs expires the previous ones.

You may have changed your password or did not enter it correctly. If you cannot remember your password, select Forgot Password.

Your browser may also be saving your login credentials. If you had recently changed your password it’s possible that the old password is being remembered. If this is the case, follow the browser’s instructions to delete the saved password and log in with the valid password.

Registering your device only means that the next time you log on you will be recognized and will not have to request a Secure Access Code again. You would not want to register your device in places that are public or devices that are not in your possession.

The system registers your device’s browser using a technology called Cookies. You might have your browser set to delete cookies every time you close your browser. There are steps you can take to make changes to not delete cookies or to retain cookies for

If you use computer cleaners, those settings may be overriding settings within the browser. So, even if you change settings for your browser to not delete cookies, your computer cleaner may still be set to delete and will still delete every time you close the browser.

If you request to receive your code by email and don’t receive it, check your Junk or Spam folder on your email folders. If your email service doesn’t recognize an email address it may automatically flag the email as Junk or Spam; simply add the Secure Access Code email address to your contacts to avoid this in the future.

If you request to receive your code by SMS (text message) and you don’t receive it, it may be due to the signal, the area you’re in, or a delay in the carrier’s service. Try requesting the Secure Access Code by a different method instead (remember-if you request a second code the first one will have expired).

Multiple layers of security help ensure your Online Banking information is protected from fraud and identity theft. A Secure Access Code (SAC for short) is that extra layer that protects you. If your Online Banking account were to be hacked and a fraudster tracked down your Login ID and Password, the only thing left to protect you is the SAC. The fraudster would also had to have compromised your email address and cell or home phone to get the SAC to then access your account.


Once logged in to eBranch, go to eServices > eStatements. Select your primary savings account to display the eStatements for all shares and loans. Click on the folder to expand.

screenshot of eStatements page


You will receive an IRS Form 1098 if you paid $600 in interest on a Home Equity loan or Mortgage in the most recent tax year. Your December statement will show the total amount of interest paid over the year.

If you earned at least $10.00 in dividends (excluding IRAs) at Cabrillo in the most recent tax year, you will receive a 1099-INT.

Your December statement will reflect the total amount of dividends earned over the year.

You may either:

  • Login to eBranch, click on Settings, then Address Change
  • Visit one of our branch office locations

Please do not send an address change or other personal information through regular email because it is not secure.

Shared branching is a cooperative network of credit unions that have joined together and created shared service centers across the country.  By sharing facilities, Cabrillo can offer greater convenience for members to access their accounts at many more locations just as if they were at Cabrillo Credit Union.

Cabrillo members can use any convenient CU service Center to conduct Cabrillo Credit Union business.  A CU Service Center will have a logo designating its shared branching service.  When you enter a CU Service Center you only need to bring your Cabrillo member account number and a valid photo ID.  At a CU Service Center, members can:

  • Make deposits & withdrawals
  • Make transfers between accounts
  • Check your account history

Find a CU Shared Service Center nearest you.


We offer Traditional, Roth, and SEP IRAs. In addition, all of these IRAs can be in a Market Rate (variable) or Certificate (fixed) account. Click here for IRA information or contact the credit union to inquire further on IRAs.


Yes. Log in to your eBranch, then request to change payment frequency. After submitting the request, we will review your request and contact you back online. Payment frequency change will not be processed until a Loan Addendum aka Advance Receipt has been signed by you.

Yes. We can finance your initial registration on newly purchased vehicle and every year thereafter, as long as you have the loan with Cabrillo. Upon request, we add the DMV costs to your loan principal.

Note: You will be required to sign a new Advance Receipt each time you a DMV Add-on.

You can schedule as many one-time payments as you'd like, as often as you'd like.

We do better than that! We guarantee that we can either meet or beat other auto loan rates, but if we can’t, then we give you $50.

Log in to your eBranch, then request a Due Date Change. After submitting the request, we will evaluate your request and respond online.  A due date change will not be processed until it has been properly signed by you and approved by Cabrillo Credit Union, and you have paid all amounts owed in connection with the change.

Note:  MasterCard, HELOC and Mortgage loans are not eligible for Due Date Change.

Depending on state laws, paper titles are generally mailed and electronic titles and/or liens are released to the motor vehicle agency approximately 10 business days after the payoff is received. Allow 15-30 days for receipt of your title based on mail time and/or motor vehicle agency process.

There may be several reasons the banner is not displayed on your account. As an example, the loan due date might not be reflecting a December due date yet or the checking/savings account balance may be overdrawn, to cite two reasons. Please call us at 800.222.7455 if you have further questions regarding skip qualifications.

One of our requirements is that you provide adequate insurance coverage on the property securing your loan.  This insurance must at least provide comprehensive and collision coverage.  The policy must contain a loss payable clause endorsement naming the lender, Cabrillo Credit Union as lienholder.  This insurance must remain in force for the entire term of the loan. If you change insurance provider, send us a new insurance binder showing Cabrillo Credit Union as the loss payee.

Most states require that your vehicle be re-titled, and all states require that your vehicle be re-registered in your new state. Please contact your state or county titling authority to determine the specific requirements in your area. Let them know that you have a financed vehicle, and provide us with written information about your local titling authority's requirements.

Cabrillo Credit Union must be listed as legal owner of the vehicle on all title and registration paperwork. You are responsible to pay all fees and expenses associated with this transaction. If the vehicle must be re-titled, the state generally requires that the title-holder submit the original title in order to secure a new Certificate of Title.

If Cabrillo Credit Union holds the title, your local titling authority sends us (or provides you with) a request that Cabrillo Credit Union forward the title to them. You also need a Power of Attorney to re-title your vehicle. Please contact us at the number below to request this document.

In case your local titling authority needs to contact us, here is the contact information to use:

Cabrillo Credit Union
3710 Ruffin Rd.,
San Diego, CA 92123
Phone: 800.222.7455
Attention: Titles

No. Cabrillo does not enforce prepayment penalties.

Your loan approval and interest rate are locked in for 30 days from the date of your original loan approval.

Please provide the following address to your insurance company:

Vehicle Loans:

Lienholder 3722
Cabrillo Credit Union
Insurance Center
9311 San Pedro, Suite 600
San Antonio, TX 78216

Mortgage/HELOC Loans:

Cabrillo Credit Union
PO BOX 261169
San Diego, CA 92196-1169

All HELOC Loans are due every 28th of every month.

All Mortgage Loans are due on the 1st of every month.

The insurance deductible cannot exceed $500.00 for comprehensive or $500.00 for collision coverage.

Log in to your eBranch to request a Payoff quote. or give us a call at 800.222.7455.

P.O Box Address:

Cabrillo Credit Union
PO BOX 261169
San Diego, CA 92196-1169
Attention: Payoff

Payoff Physical Address (Overnighting Certified Funds):

Cabrillo Credit Union
3710 Ruffin Rd.,
San Diego, CA 92123
Attention: Payoff

Mobile Deposit

If you have already enrolled in Mobile Deposit and see an error message when trying to capture the front and back images, check if your iPhone® or Android™ allows the mobile application to use the camera.

  • iPhone®: go to Settings > Privacy > Camera, the slide bar next to Cabrillo CU will need to be enabled (green) to allow access.
  • Android™: go to Settings > Apps > Cabrillo CU, scroll down to Permissions. Verify that the camera is listed under Permissions.

If you just enrolled on your smartphone or tablet, log off and back on. Go to the menu option eServices > Deposit A Check and submit the required information, including taking a picture of the front and back of the check.

Enrollment in Mobile Deposit is based on eligibility. Contact Member Support at 800.222.7455 for questions regarding eligibility. You may enroll in Mobile Deposit on any device; log in to eBranch and select the menu option eServices > Mobile Deposit Enrollment. Agree to the Terms and Conditions and submit. You will need to log off and back on if using a smartphone or tablet to deposit a check.

eBranch provides members with a unified user experience across all devices; this means that if you are on your smartphone, tablet, or desktop computer you will have the same experience. In some instances, you may need to scroll down to see the buttons to submit or see more information. Try scrolling down if you do not see the option to submit your deposit.

Checks may only be deposited to the primary account that is associated with your eBranch Login ID. If you are receiving an error, try depositing to another account and transferring the funds to the appropriate account.


Please visit our employment page for a listing of current job openings and instructions on how to apply.

When adding a joint owner, a new, completed application with owner signatures is required. Verification of IDs will be required for all new owners, as well.

When removing a joint owner, a special form is required to be competed and signed by the individuals on the account. Please visit one of our offices or call the Member Support Department at 800.222.7455, to make any joint owner changes.

To obtain your free credit reports, visit:

Please Note: Free credit reports do not include credit scores.

The Fair and Accurate Credit Reporting (FACT) requires credit bureaus to furnish consumers a free copy of their own credit report each year by request.

Possibility Points℠

Select the "Forgot?" button located in the username and password fields on the log in page. If you forgot your username, you will need to enter your card number and your zip code. If you forgot your password, you will need to enter your username.

Points are awarded for qualifying purchases using your Cabrillo debit or Prestige Mastercard. Prestige cardholders earn a minimum of 1 point for every $1 spent.*  Redemptions can be completed online through or by calling 800.482.2069.

*Cash advances are not included.

Access your account by logging into Your current available point balance is listed in the top right corner of every page. This total reflects the total points for the individual cardholder. 

Yes, all cards belonging to the cardholder will appear.

Not automatically. But transferring points is easy! The “from” accountholder must simply contact the Credit Union via eBranch or phone with the “to” accountholder’s name and number of points to be transferred. Points can only be transferred amongst joint accountholders, with a maximum of two times per calendar month.

Points will expire on the last day of the month, four (4) years after the date of issuance.

Share Accounts

Yes, we offer special savings accounts. You can open a Holiday Club account with a minimum monthly/bi-weekly deposit of $10.00 from your savings and/or checking account. Learn more about our Holiday Club Accounts.

Text Banking

No, only one phone number may be used for Text Banking per eBranch username. If you would like to change the phone number used for Text Banking, simply remove the old number and update with the new information. Remember to select Save to update the information.

Text STOP to 226563.

Once logged in to eBranch, go to eServices > Text Banking.

  • BAL - Account balances
  • HIST - Account history
  • XFER - Transfer funds from one account to another. Enter full amount using dollar, decimal and cents.
  • STOP - Disable text banking for the enrolled mobile device (To reactivate, login to Online Banking.)
  • UNSUBSCRIBE – Discontinues the service
  • START – Must be used in order to restart the service after electing to UNSUBSCRIBE
  • LIST - List of available commands
  • HELP - Directs to Cabrillo Credit Union's website   

Bank anywhere, anytime, with the Cabrillo mobile banking app

Download our mobile app today:

Download on the App Store

Get it on Google Play