Yes. Cabrillo Credit Union offers notary services for Cabrillo documents at each of our branch locations at no cost. To schedule an appointment, please contact our Member Support Department.

No. Cabrillo provides notary services free of charge for Cabrillo documents at all branch locations.

Branch hours vary by location. You can view the most up-to-date hours by visiting our Branch & ATM Locator page.

You can find hours for each branch on our Branch & ATM Locator page, which includes addresses and operating hours.

Cabrillo Credit Union’s mailing address is 3710 Ruffin RdSan Diego, CA 92123.

Joining is easy. You can apply online if you meet one of our eligibility requirements. You’ll need a valid government-issued ID, Social Security Number, date of birth, and address to complete the application.

You may be eligible if you live or work in San Diego County, are a federal government employee living or working in San Diego or Imperial County, work for Sharp HealthCare, are a member of FORBPO in CA, AZ, NM, or TX, or are an immediate family member of a Cabrillo member.

To open an account, you’ll need a current valid government-issued ID, your Social Security Number, your full physical and mailing address, and your date of birth.

You’ll need your name, Cabrillo account number, transfer amount, the receiving bank’s legal name and ABA routing number, the recipient’s account number and address, and the purpose of the wire.

Same-day wire deadlines are 12:00 p.m. PT for domestic wires and 11:00 a.m. PT for international wires, Monday through Friday. Requests after the cutoff are processed the next business day.

Yes. You can make deposits at CO-OP Network ATMs that accept deposits. Use our ATM Locator to find a deposit-taking ATM near you.

You can find deposit-taking ATMs by visiting our Locations & Hours page and searching for nearby branches or ATMs.

Yes. If you paid $600 or more in interest on a mortgage or home equity loan during the tax year, you’ll receive IRS Form 1098. Your December statement also reflects the total interest paid.

Yes. If you earned $10 or more in dividends, excluding IRAs, during the tax year, you’ll receive a 1099-INT. Your December statement also shows total dividends earned.

If your debit or credit card is lost or stolen, contact the Virtual Service Center at 858.547.7400 during business hours so we can protect your account and issue a replacement. After hours, call 888.241.2510 for immediate assistance.

Please report a lost or stolen card as soon as possible so we can block unauthorized transactions and issue a replacement quickly.

You can report a lost or stolen card by calling the Virtual Service Center at 858.547.7400 during business hours or 888.241.2510 after hours.

To activate your new debit or credit card, call 866.762.0558 and follow the prompts.

To change your PIN at any time, call 866.762.0558 and follow the instructions.

Log into Digital Banking and select Transfers & Payments, then choose your accounts and enter the payment amount to complete your loan or credit card payment.

Yes. You can make a payment using another financial institution’s account through our free payment portal by registering or selecting Express Payment for a one-time payment.

For customer service assistance, contact our Virtual Service Center at 858.547.7400 during business hours.

Member service and card support are available through the Virtual Service Center at 858.547.7400 during regular business hours.

Cabrillo Credit Union has branch locations across San Diego County. Addresses and directions are available through our Branch & ATM Locator.

Cabrillo has branches in San Diego County and Imperial County. Location details are available on our Branch & ATM Locator page.

Branch hours vary by location. You can find full details using our Branch Locator on the website.

Branch opening times vary by location. Full branch addresses and hours are listed on our Branch Locator page.

Branch closing times vary by location. Please refer to our Branch Locator page for complete details.

You can find the address for each branch location on our website using the Branch & ATM Locator.

You can cancel a recurring loan payment in Online Banking by going to Transfers & Payments, selecting Scheduled Transfers, and choosing the payment to cancel. Assistance is available through the Virtual Service Center.

Cabrillo ATMs do not accept deposits, but you can deposit funds at CO-OP Network ATMs that accept deposits. Use our ATM Locator to find one near you.

ATMs are available at the La Mesa, Scripps Ranch, Downtown, and Rancho Bernardo branches.

The Chula Vista branch does not have an ATM.

You can make deposits nationwide at CO-OP Network branches and deposit-taking ATMs, giving you convenient access wherever you are.

Cabrillo Credit Union is closed on all federal holidays. You can still access your accounts anytime using Digital Banking and the Cabrillo Mobile App.

We can help you finance both new and used vehicles, and we also offer refinancing if you’d like to bring a loan over from another lender. Refinancing can be a quick way to lower your rate or adjust your loan term.

Absolutely! We finance both. Your rate and term depend on the model year and loan amount, but both new and used cars are eligible.

Loan terms vary, but they can extend up to 84 months depending on the vehicle and the loan amount. For higher balances, such as $40,000 or more, you may qualify for the longest terms available.

Yes, many members refinance with Cabrillo to take advantage of better rates or lower payments. You can apply online, and we’ll quickly let you know what you qualify for.

You’re free to pay off your loan early at any time. There are no prepayment penalties, and paying early can help you save on interest.

You’ll typically need your driver’s license, proof of income, and some details about the vehicle, such as the VIN and purchase price. The online application will walk you through the process step by step.

Most approvals are completed quickly, depending on how soon paperwork is submitted. Once approved, we’ll provide a check or electronic transfer so you can purchase your vehicle without delay.

Your approval and the rate you’re offered are valid for 30 days, giving you time to shop with confidence knowing your financing is ready.

You’ll need comprehensive and collision coverage, and Cabrillo must be listed as the lienholder on the policy. If you change insurance providers, simply send us the updated documents.

Once your loan is paid off, Cabrillo releases the lien. Paper titles are mailed, and electronic titles are released directly to the DMV. Processing can take around 10 business days, or up to 15–30 days depending on the DMV.

Yes, you can. After submitting your request to change your payment frequency, we will review it and contact you online. The change will not be processed until a Loan Addendum, also known as an Advance Receipt, has been signed by you.

No. While both are vehicle loans, recreational loans cover vehicles used for leisure (e.g., boats, RVs, off-road vehicles), and the terms, rates, and eligibility criteria differ accordingly.

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 Cabrillo Credit Union as the lienholder. This insurance must remain in force for the entire term of the loan. If you change insurance providers, 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 from your local titling authority if needed.

Cabrillo Credit Union must be listed as the legal owner of the vehicle on all title and registration paperwork. You are responsible for paying all fees and expenses associated with this transaction. If the vehicle must be re-titled, most states require the title-holder to submit the original title to obtain a new Certificate of Title.

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

If your local titling authority needs to contact us directly, here is the contact information:

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

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

The C.A.R.E. Personal Line of Credit (PLOC), which replaced the former PAL program, is a line of credit available to all members who apply and qualify under the emergency criteria of a declared government shutdown. The C.A.R.E. Personal Line of Credit is designed to provide temporary financial relief and is available to members who are directly impacted by the applicable emergency.

If you don’t already have a C.A.R.E. loan, you’ll need to apply. Please note that submitting an application will include a hard credit pull.

Members may apply for the C.A.R.E. PLOC at any time. The program will be activated once Cabrillo confirms a government shutdown. Funds will be made available by the next scheduled government payroll deposit, and members can access funds through digital banking or at any branch. No activation is required, as Cabrillo monitors events and will activate C.A.R.E. automatically.

Members can advance any amount within their approved limit and have six months to repay. The first 60 days from activation date are interest-free. Payments begin after 90 days and are made in four equal installments, unless the balance is paid earlier to avoid interest.

The maximum C.A.R.E. PLOC limit is $10,000, and our underwriting team will determine your approved amount. If you’d like to request a higher limit than what you’re currently approved for, a new application will need to be submitted.

The C.A.R.E. PLOC remains active until the government is funded for the fiscal year. It is a single line of credit and will be deactivated once funding resumes, with no additional advances allowed.

There’s no need to reapply, as the PLOC will activate again if another government shutdown occurs. Please note that if there is an existing balance, members will only be able to advance funds from the available balance.

The C.A.R.E. PLOC is available only to the primary account holder. Joint members must apply separately under their own account if they qualify.

The loan remains valid for the life of your membership; however, it will only be active during government shutdowns.

The C.A.R.E. PLOC offers a longer interest-free period than the former PAL program, with interest beginning to accrue after day 60 from the advance of funds. Under the PAL program, interest began accruing the day after the payroll payment was taken out if the balance was not paid in full.

The PAL program was originally used to assist specific groups impacted by a government budgetary shutdown. Cabrillo identified the need for a more robust program that would be available to all members who may be experiencing financial hardship.

A HELOC, or Home Equity Line of Credit, lets you borrow against the equity you’ve built in your home. It works like a revolving line of credit, giving you the flexibility to borrow, repay, and borrow again as needed.

With a HELOC, you’re approved for a credit limit based on your home’s equity, credit score, and income. You can draw funds during the draw period of 10 years. After the draw period, you’ll repay the balance over the repayment term.

You can apply online or in person. Approval is based on factors such as your credit score, credit history, income, debt-to-income ratio, and the equity in your home.

Most lenders, including Cabrillo, can lend up to 80% of your home’s value, but the exact amount depends on your financial profile.

The amount you can borrow depends on your credit score, credit history, income, debt-to-income ratio, and the appraised value of your home. In some cases, borrowing up to 80% of your home’s value is possible.

Yes. HELOC payments vary since rates are adjustable. You’ll want to consider the current rate  and the repayment term. Cabrillo provides calculators to help you estimate your payment. 

Your HELOC payment due date will be outlined in your loan agreement, and you’ll see it listed in online banking each month.

Cabrillo’s HELOC has no setup or annual fees, which makes it a cost-effective way to access your home’s equity.

A HELOC can be used to fund home remodels, solar installations, landscaping projects, education expenses, or debt consolidation, and it can also serve as a helpful safety net for emergencies.

A HELOC is a revolving line of credit that lets you borrow, repay, and borrow again. A Home Equity Loan provides a lump sum with a fixed rate and fixed payments.

We offer a variety of options, including fixed-rate mortgages, adjustable-rate mortgages, refinance loans, cash-out loans, and first-time homebuyer programs. Each option is designed to fit your needs.

First-time homebuyers may qualify with as little as 3% down. For other buyers, minimum down payments typically start at 5%.

Yes, it’s best to get pre-qualified before you start shopping. This helps you understand your budget and allows you to make stronger offers with confidence.

You’ll need recent pay stubs, a government-issued ID, W-2s, bank statements, and other financial records. Our mortgage team will walk you through everything you need.

Your pre-approval is typically valid for 90 days. If it expires, you may need to resubmit updated information.

Most closings take about 30 days, but in some cases, we can close in as few as 10 days, depending on the seller and conditions.

If your down payment is below 20%, you may need mortgage insurance. Cabrillo partners with providers to offer competitive rates and will guide you through the process.

We’ll help you review your income, credit, debts, and goals to determine what fits your budget. You can also use our mortgage calculator to get an estimate.

Qualification is based on several factors, including your credit history, income, debt-to-income ratio, and the appraised value of the home, not just your credit score.

Yes, we offer programs with lower down payments, flexible terms, and additional support for first-time buyers.

Yes, whether you want to lower your rate, shorten your term, or use your home equity for larger expenses, we offer both refinance and cash-out options.

A fixed-rate mortgage keeps the same rate and payment for the life of the loan. An adjustable-rate mortgage (ARM) starts with a lower fixed rate for a set time, then adjusts with the market.

Your monthly payment typically covers principal, interest, taxes, and insurance. We’ll give you a clear breakdown when you apply.

Cabrillo offers competitive rates, flexible options, local service, and personal guidance. We’re here to make the home loan process smooth, secure, and stress-free.

A recreational loan finances vehicles used for leisure, such as motorcycles, boats, and RVs. You receive a set amount to purchase the vehicle with a fixed rate and a set term, so your monthly payment stays the same. New and used vehicles are eligible, and you can apply online for a quick decision.

Typically, you’ll need a government-issued ID, proof of income (like recent pay stubs), and social security number. The online application will walk you through securely uploading what’s required.

Yes, these loans have no prepayment penalties, and paying early can reduce the total interest paid.

The loan amount depends on factors such as the type of vehicle, its age, your eligibility based on credit and income, and what you’re purchasing. The application will show you what you qualify for.

Rates vary based on the vehicle type, such as a motorcycle, boat, or RV, as well as the model year, loan term, and your credit profile. You can view current rates on the rates page.

Recreational loans are intended for purchasing recreational vehicles or toys, such as boats, RVs, and motorcycles. If you’re looking to consolidate debt, we offer other loan products that are better suited for that purpose.

Approval depends on several factors, not just your credit score, including your income, existing debts, and overall repayment ability. Applying will allow you to see what terms are available to you.

Loan terms are based on the vehicle type and model year and generally range from approximately 36 months up to 120 months for RVs and boats, depending on the vehicle’s age and your eligibility.

These loans come with fixed rates, which means your payment amount remains the same over the life of the loan.

You can apply securely online, and the application system will show you what’s needed. If you prefer, branches are available to assist in person.

Once approved and all required paperwork is completed, funds are disbursed so you can complete your purchase. The timing depends on how quickly documents are submitted and approved.

Recreational loans can be used to purchase motorcycles, boats, RVs, ATVs, and other off-road recreational vehicles. Both new and used units are eligible.

No. While both are vehicle loans, recreational loans cover vehicles used for leisure (e.g., boats, RVs, off-road vehicles), and the terms, rates, and eligibility criteria differ accordingly.

We offer financing for motorcycles, boats and watercraft, RVs, and off-road vehicles such as ATVs. Both new and used vehicles are eligible, and terms vary depending on the vehicle type and model year.

Our Personal Loans provide flexible financing for almost any need—whether you’re covering expenses, consolidating debt, or funding a major project. They feature low APRs, competitive rates, fixed monthly payments, no prepayment penalties, and quick access to funds.

Depending on your standing, certain documents may be required, and having these documents ready can help speed up the process. This includes government-issued identification such as a driver’s license, passport, or similar form of ID, as well as proof of income, such as recent pay stubs or tax returns, along with employment details. The online application will guide you step-by-step and allows for secure document upload.

Yes, personal loans have no prepayment penalties. This means you can pay off your loan balance at any time and save on future interest without any extra fees. To learn more, please visit our personal loan rates page.

Loan amounts vary based on your application and eligibility. Factors considered include your income, existing debt obligations, and overall credit profile. Applying online takes just a few minutes and will show you the options available to you.

Rates depend on the loan amount, the repayment term you choose, and your credit profile. For the most up-to-date information, please visit our personal loan rates page.

Yes, consolidating debt with a personal loan offers several benefits. Lower APRs and competitive rates can help reduce the overall interest paid. Having one fixed monthly payment instead of multiple bills makes repayment easier to manage. A set payoff date lets you know exactly when your debt will be cleared.

Qualification is based on several factors, not only credit score. We also review your income, employment history, existing debts, and overall repayment ability. Together, these help determine approval and loan terms. The best way to know is to apply—it only takes a few minutes.

Loan terms are flexible and are designed to fit your budget. Depending on the loan amount and your application, you’ll be able to select from different repayment lengths when you apply.

Our Personal Loans come with fixed rates. This means your monthly payment will remain the same for the entire loan term, making it easier to budget with certainty.

You can apply securely online anytime—it only takes a few minutes and you’ll get a quick decision. If you prefer, you can also visit a branch to apply in person.

Our team works efficiently to get your funds to you as quickly as possible, and the exact timing will be provided after approval.

A personal loan provides a set amount of money upfront with a fixed interest rate and predictable monthly payments until it is paid off. A line of credit is revolving, similar to a credit card, which allows you to borrow as needed, but payments may vary. Personal loans are ideal if you prefer fixed terms and a clear payoff date.

The Share Secured Credit Card is backed by your savings account and has no annual fee. It’s designed to help you build or rebuild credit while enjoying the convenience and security of a VISA® card.

With a Share Secured Credit Card, your credit line is secured by the money you keep in your savings account. This deposit acts as collateral, giving you access to a VISA® card while helping you establish or improve your credit.

No, the Share Secured Credit Card has no annual fee. You receive the benefits of a credit card without any additional yearly costs.

The Share Secured Credit Card requires a minimum $200 credit line secured by your savings account. You can increase your credit limit by securing additional funds.

The APR is variable and based on the Prime Rate plus the savings rate APY. This means your rate is tied to market conditions while remaining competitive compared to other credit-building options.

You’ll enjoy no annual fee, contactless payments, EMV chip security, and the opportunity to build credit. You’ll also receive VISA® benefits such as roadside dispatch, emergency card replacement, and access to exclusive discounts.

Using the Share Secured Credit Card responsibly, such as making payments on time and keeping balances low, can help you establish or improve your credit history. We report your activity to the credit bureaus just like we do with any other credit card.

Yes, many members use a Share Secured Credit Card as a stepping stone. With responsible use, you may qualify for an unsecured Cabrillo VISA® card in the future.

Yes, you can add your card to Apple Pay™, Google Pay™, or Samsung Pay™ to make secure and convenient purchases on the go.

The card comes with EMV chip technology, contactless payments, and fraud monitoring. If your card is ever lost or stolen, we’ll replace it quickly

Yes. Card Controls let you turn your card on or off instantly, set purchase limits, receive alerts, and add travel notifications, all through the Cabrillo mobile app or Online Banking.

Yes, you can schedule one-time or recurring payments through online or mobile banking, making it easy to stay on top of your due dates.

If your Share Secured Credit Card is lost or stolen, contact Cabrillo right away. We’ll block the card to prevent fraud and issue you a replacement.

Yes, Card Controls let you turn your card on or off instantly, set purchase limits, receive alerts, and add travel notifications, all through the Cabrillo mobile app or online banking.

This card gives you the opportunity to build or rebuild credit with the security of your savings. With no annual fee, strong security features, and VISA® benefits, it’s a smart way to establish healthy credit habits.

The Traditional VISA® Credit Card is a simple, everyday credit card with no annual fee and a low variable rate. It’s designed to make purchases easy while helping you build a strong credit history.

No, there’s no annual fee. You’ll enjoy the convenience of a VISA® credit card without extra yearly costs.

The APR on the Traditional VISA® Credit Card ranges from 10.90% to 16.90%, depending on your creditworthiness. Rates are variable and may adjust with market conditions.

You’ll get secure contactless payments, EMV chip protection, access to roadside dispatch, and exclusive discounts on dining and shopping. It’s built for convenience and peace of mind.

Yes, responsible use of the Traditional VISA® Credit Card helps you build or rebuild a strong credit history, making it a great option if you’re just starting out or starting over.

Yes, you can add it to Apple Pay™, Google Pay™, or Samsung Pay™ for quick, secure, and convenient purchases from your phone.

Yes, the Traditional VISA® card is enabled for tap-to-pay purchases, allowing you to pay securely with just a tap at checkout.

Yes, you can schedule one-time or recurring payments through online or mobile banking so you never miss a due date.

You can track purchases, payments, and statements through online and mobile banking, and set up email or text alerts for added convenience.

The Traditional VISA® Credit Card is simple, secure, and affordable. With no annual fee, competitive rates, and strong security features, it’s a straightforward way to pay and build credit responsibly.

You can view your earned cash back by logging into online banking and selecting the ‘Cabrillo Cash Back Rewards’ tile. Your balance is displayed there and updated monthly.

Redeeming your cash back is easy. Log into online banking, go to the Transfers section, and select ‘Cabrillo Cash Back Rewards’ as the source. Then choose the share account where you’d like the funds deposited.

Cash back rewards are automatically credited on the first day of every month. They also appear on your monthly statements so you can easily track your rewards.

If you return a purchase, the rewards earned from that transaction will be deducted from your cash back balance. Rewards are always based on net purchases after returns or credits.

With the Cabrillo VISA Signature® Credit Card, you’ll earn 1% cash back on every purchase, enjoy no annual fee, access concierge services, and receive discounts on dining, shopping, and events.

No, the Cabrillo VISA Signature® Credit Card has no annual fee. You get premium rewards and benefits without paying extra to carry the card.

You’ll earn 1% cash back on every purchase with no categories to track and no limits to manage, just simple and consistent rewards.

You can use the online Cash Back Calculator to estimate your rewards. Enter your average monthly spending to see how much cash back you could earn annually.

Yes, you can add your VISA Signature® card to Apple Pay™, Google Pay™, or Samsung Pay™ for secure and convenient purchases on the go.

The Cabrillo VISA Signature® Credit Card requires a minimum $5,000 credit line. Approval amounts depend on your creditworthiness and application details.

Yes, you can manage your card through online banking and the mobile app, where you can view transactions, make payments, redeem rewards, and manage your account anytime.

This card combines cash back rewards, premium benefits, strong security, and no annual fee. It’s a great option if you want simple rewards on every purchase along with exclusive VISA Signature® perks.

To apply for a Cabrillo credit card, you must be a Cabrillo member. During the application, you’ll provide basic personal and financial information such as your name, address, Social Security Number, income, and employment details. Your credit history and other factors are reviewed to determine eligibility.

You’ll earn 1% cash back on every purchase, every time. There are no rotating categories or limits, just simple and consistent rewards.

Every time you use your VISA Signature® Credit Card, you earn 1% cash back. Your rewards balance grows with each purchase and is available for redemption through online or mobile banking.

On the 1st of each month, your earned rewards are deposited into your Rewards Share. From there, you can transfer the funds into your checking or savings account using online or mobile banking.

Cash back rewards are credited on the 1st of every month and appear in your Rewards Share, ready to transfer wherever you need them.

Yes. If you return a purchase, the cash back earned on that transaction will be deducted from your rewards balance.

No. Your rewards do not expire as long as your account remains open and in good standing, giving you flexibility to redeem when you’re ready.

Everyday spending is the fastest way to build rewards. From groceries to gas, you’ll earn 1% cash back on every dollar, and those everyday purchases can add up over time.

All purchases earn 1% cash back, including groceries, gas, dining, and online shopping. There’s no need to track categories or enroll in special promotions.

No. There are no caps or limits. You’ll earn 1% cash back on every purchase with no maximum on how much you can accumulate.

Cash back is earned on purchases only. Balance transfers, cash advances, and account fees do not qualify for rewards.

You can view your cash back balance at any time through online or mobile banking, and it will also appear on your monthly statement.

Yes. Once your rewards post to your Rewards Share on the 1st of the month, you can easily transfer them into your checking or savings account using online or mobile banking.

Yes. Cabrillo offers three types of VISA® Credit Cards: Traditional, Signature, and Share Secured. Each card has no annual fee and includes secure contactless payments.

The best card depends on your needs. The Traditional VISA® Card is ideal for a simple, low-rate option with no rewards. The Signature VISA® Card is great if you want to earn 1% cash back and enjoy premium benefits. The Share Secured Card is a smart choice if you’re building or rebuilding credit.

We offer the VISA® Traditional Credit Card, the VISA® Signature Credit Card, and the VISA® Share Secured Credit Card. Each card is designed for different needs, from everyday spending to earning rewards or building credit.

The Traditional VISA® Card has no annual fee and a low variable rate, making it a good option for everyday purchases and building credit. The Signature VISA® Card also has no annual fee but includes 1% cash back on all purchases, premium benefits, and requires a $5,000 minimum credit line.

The Share Secured Credit Card is backed by your savings account and is designed to help you build or rebuild credit. It has no annual fee, a low minimum credit line, and includes the same VISA® benefits as our other cards.

No. All Cabrillo VISA® Credit Cards—Traditional, Signature, and Share Secured—have no annual fee.

With the VISA® Signature Card, you earn 1% cash back on every purchase with no categories or limits. The Traditional and Share Secured cards do not earn cash back but still offer the same security and convenience features.

Rates vary by card and creditworthiness. Traditional VISA® Cards range from 10.90% to 16.90% APR, Signature VISA® Cards range from 15.90% to 16.90% APR, and Share Secured cards are based on Prime plus your savings rate APY.

VISA® contactless tap-to-pay allows you to pay quickly and securely by tapping your card or mobile wallet at a contactless-enabled terminal. It’s fast, convenient, and protected by chip technology.

Yes. All Cabrillo VISA® Credit Cards can be added to Apple Pay™, Google Pay™, or Samsung Pay™ for fast and secure mobile payments.

All Cabrillo VISA® Credit Cards include EMV chip security, roadside dispatch, exclusive dining and shopping discounts, and emergency card replacement.

The VISA® Signature Credit Card requires a minimum $5,000 credit line. The Traditional and Share Secured cards have lower minimum credit line requirements.

The best card depends on your goals. Choose Traditional for a low-rate, no-rewards card, Signature for cash back and premium perks, or Share Secured if you’re building or repairing credit.

Yes. You can set up one-time or recurring payments for any Cabrillo VISA® Credit Card through online or mobile banking.

Cabrillo VISA® Credit Cards offer no annual fee, secure contactless payments, mobile wallet compatibility, and the trusted backing of VISA®. Whether you want cash back, simplicity, or credit-building tools, there’s a card to fit your needs.

Credit card APRs vary based on the specific card and your individual credit profile. Current rates and details are available on the Compare Cards page of our website.

To open a savings account, you’ll need some basic personal information, including your full name, address, phone number, email address, date of birth, and Social Security number, along with a current, valid government-issued ID.

Yes, Cabrillo Credit Union offers savings accounts to help you start building toward your goals. You can open one online or in person and enjoy benefits such as digital banking, competitive rates, and federally insured funds.

Cabrillo offers regular savings accounts, Money Market accounts, Holiday Club accounts, Share Certificates (CDs), and IRA savings accounts. Each option includes unique features to help you reach different financial goals.

Yes, you’ll have 24/7 access to your savings through Cabrillo’s online banking and mobile app. You can transfer money, check balances, and track your progress from anywhere.

Yes, you can use our mobile app to deposit checks directly into your savings account. Simply take a photo of your check, and it will be securely deposited without the need to visit a branch.

Savings account rates are competitive and may vary depending on the type of account you choose, such as a regular savings account, money market account, or share certificate. For current rates, please visit our savings rates page.

Yes, your savings are federally insured by the NCUA, providing peace of mind that your funds are protected.

There are no monthly service fees on our basic savings accounts. Some specialty accounts may have minimum balance requirements, and all details will be provided before you open an account.

Opening a savings account makes you a Cabrillo member-owner, giving you access to our full suite of products, including auto loans, credit cards, checking accounts, mortgages, and more. You’ll also enjoy personalized service from our local team.

Yes, a savings account can help you prepare for a wide range of goals, such as vacations, a new car, tuition, or building an emergency fund. Cabrillo also offers targeted accounts like Holiday Club, money market accounts, and IRAs to support your savings goals.

A regular savings account is ideal for everyday saving and has no minimum balance beyond membership. A Money Market account offers higher rates for larger balances, along with check-writing privileges.

Share Certificates, similar to CDs, offer a higher, fixed interest rate in exchange for locking in your funds for a set term. Regular savings accounts are more flexible, allowing deposits and withdrawals at any time, but they generally earn a lower rate.

A Holiday Club account helps you set aside money throughout the year specifically for holiday expenses, often through automatic transfers from checking. Regular savings accounts offer more flexibility and can be used for any savings goal.

Regular savings and Money Market accounts are both good options because they allow quick access to your funds. A Money Market account may be a better choice if you want your emergency fund to earn more interest.

Share Certificates and IRA Share Certificates generally offer the highest returns because your money is committed for a fixed term. Longer terms typically provide higher rates.

Yes, many members choose to open a combination of accounts, such as a regular savings account for everyday needs, a Holiday Club account for seasonal spending, and a Share Certificate for long-term growth.

To open a Share Certificate at Cabrillo, you’ll need a minimum deposit of $2,000. This helps ensure you receive the competitive rate offered for your chosen term.

An early withdrawal penalty applies if you close a Share Certificate before it reaches maturity. For terms of 12 months or less, the penalty is 90 days of dividends. For terms longer than 12 months, the penalty is 180 days of dividends.

Once a Share Certificate is opened, the rate is fixed for the entire term. If rates increase after your certificate is opened, you would need to open a new certificate to take advantage of the higher rate.

You would need to close your existing Share Certificate and open a new one at the higher rate. Please keep in mind that closing a certificate early will result in an early withdrawal penalty.

Share Certificates are a low-risk way to earn more on your money compared to regular savings accounts. They offer fixed rates, predictable earnings, and terms that help you plan around your financial goals.

Rates on Share Certificates vary based on the term you choose. For the most current rates, please visit our certificate rates page.

When your Share Certificate reaches maturity, Cabrillo will notify you. You’ll have the option to renew your certificate or withdraw the funds, and a 10-day grace period is provided to give you time to decide what works best for you.

Yes, we can set up your certificate so that dividends are automatically deposited into your savings or checking account on a monthly basis.

CDs and Share Certificates are both deposit accounts with fixed rates for a set term. The main difference is that CDs are offered by banks, while Share Certificates are offered by credit unions. Both are federally insured and designed to help you grow your money safely.

Cabrillo offers a variety of Share Certificate terms, ranging from short-term options to longer 60-month terms. The term you choose will determine your rate and how long your funds are locked in.

Once a Share Certificate is opened, the deposit amount is fixed for the selected term. If you’d like to add more funds, you can open an additional certificate at the current rate.

Dividends are calculated based on your balance and the rate locked in when you opened your Share Certificate. They are compounded and credited monthly, helping your money grow consistently over the term.

Yes, your Share Certificate funds are federally insured by the NCUA, providing added security and peace of mind while you earn guaranteed returns.

Yes, you can renew your Share Certificate at maturity. During the 10-day grace period, you’ll have the option to renew at the current rate or withdraw your funds. Cabrillo will notify you in advance so you can plan accordingly.

There is no universal maximum limit for a Share Certificate deposit. Please note that the NCUA insures all Share Certificates up to $250,000 per member.

A Roth IRA allows you to withdraw contributions at any time and offers tax-free withdrawals of earnings once requirements are met. A Traditional IRA provides tax-deferred earnings and may offer a tax deduction now, but taxes are paid when funds are withdrawn later. Both are federally regulated and include age and withdrawal rules.

Our IRA savings account lets you start planning for retirement with as little as $1. If you’re interested in an IRA Share Certificate, the minimum deposit is $2,000.

An IRA savings account works like a liquid savings account. You’ll earn competitive interest compounded monthly and can make deposits and withdrawals with flexibility, while following federal IRA rules.

An IRA Share Certificate is a fixed-rate certificate with terms ranging from 3 months to 5 years. It locks in your rate for the entire term and provides predictable returns while you save for retirement.

IRA rates depend on the type of account and balance. An IRA savings account earns dividends similar to a standard savings account, while an IRA Share Certificate locks in a guaranteed return based on the term and balance. For the latest rates, please visit our IRA rates page.

Yes, like all Cabrillo savings products, IRA funds are federally insured by the NCUA, which means your retirement savings are secure.

You can make withdrawals from your IRA, but federal restrictions apply. With a Roth IRA, contributions can be withdrawn at any time without tax or penalty. With Traditional IRAs, and when withdrawing earnings early, taxes and penalties may apply.

Early withdrawals may result in taxes and penalties depending on the type of IRA. Traditional IRAs generally require you to be at least 59½ years old to avoid penalties. Roth IRAs allow withdrawals of contributions at any time, though earnings may be subject to restrictions.

With a Roth IRA, you can withdraw contributions at any time, and qualified earnings withdrawals are tax-free once you reach age 59½ and the account has been open for at least five years. With a Traditional IRA, withdrawals are penalty-free after age 59½, though regular income tax will apply.

Yes, Traditional IRAs require you to start taking distributions by age 72. Roth IRAs do not require mandatory distributions during your lifetime.

IRA dividends are compounded monthly and can either remain in the account to continue growing or be deposited into your checking or savings account, depending on the IRA type.

Yes, you can roll over or transfer an existing IRA to Cabrillo. Our team will help ensure your retirement funds are moved safely and without penalty.

You’ll need at least $2,500 to open a Money Market account. This balance gives you access to tiered interest rates and competitive dividends.

Money Market accounts combine higher earnings than a standard savings account with the flexibility of check-writing and easy access. They’re a great option for long-term goals, building an emergency fund, or planning for large purchases.

Tiered rates mean the more you save, the more you earn. With a Money Market account, higher balances qualify for higher dividend rates, helping your savings grow faster.

A Money Market account pays higher dividends than a standard savings account and also offers check-writing privileges. It’s a good option if you want both growth and flexibility.

Yes, you can add funds at any time, whether online, through mobile deposit, or in person at a branch. Deposits are flexible, just like a savings account.

You can withdraw funds at any Cabrillo branch, ATM, or by writing checks. Please note that there is a six-check monthly limit, but otherwise you’ll have easy access to your savings.

Yes, just like savings accounts, your Money Market account is federally insured by the NCUA, giving you peace of mind that your funds are secure.

Cabrillo’s Money Market accounts have no monthly service fees. As long as you maintain the minimum balance, you’ll continue earning dividends and enjoy full access to your funds.

A Money Market account is ideal if you want higher earnings than a standard savings account while still having access to your funds. It’s a great option for building an emergency fund, saving for a down payment, or setting aside money for a large purchase.

Dividends on Money Market accounts are compounded and credited monthly, helping your balance grow steadily as you save.

While Money Market accounts do allow check-writing, they aren’t designed for everyday spending like a checking account. They work best as a savings tool, with the option to write a limited number of checks when needed.

A Holiday Club account is a special savings account designed to help you prepare for holiday expenses. You choose an amount to transfer automatically each month from your checking account, and by the time the season arrives, you’ll have money set aside with no loans, no credit cards, just your savings.

There’s no large deposit required to open a Holiday Club account. You simply set up a monthly transfer amount that fits your budget and start saving right away.

You can choose how much you’d like to transfer from your checking account each month. The transfer happens automatically, making it simple and consistent to build your holiday savings without even thinking about it.

Yes, you can adjust your automatic transfer amount at any time to match your budget. Simply log into Digital Banking or contact us for assistance.

Holiday Club funds are typically made available in the fall, just in time for seasonal shopping and expenses. This helps you save throughout the year without dipping into the funds early.

Holiday Club accounts are designed to help you save for the holiday season. Early withdrawals are not encouraged, but if you need to access your funds, please contact us to discuss available options.

Yes, your Holiday Club savings earn dividends, allowing your money to grow while you save for the holidays.

A Holiday Club account helps you save through automatic transfers and a clear goal for seasonal expenses. Unlike a regular savings account, funds are set aside specifically for holiday spending, so you don’t have to rely on credit cards or loans.

Yes. Your Holiday Club account links directly to your Cabrillo checking account, making it easy to set up automatic transfers and manage your savings digitally.

A Holiday Club account is perfect for anyone who wants to plan ahead for seasonal expenses without relying on credit. It’s especially helpful if you prefer budgeting with small, consistent contributions.

Advantage Checking is a free, everyday checking account with no monthly fees and no minimum balance. It includes a VISA® debit card, Digital Banking, and access to more than 30,000 surcharge-free ATMs nationwide.

No. Advantage Checking has no monthly fees and no minimum balance requirements, making it easy to manage your money without extra charges.

You’ll receive a free VISA® contactless debit card with EMV chip security that can be used for in-store, online, and mobile wallet purchases worldwide.

Yes. You can add your Cabrillo VISA® debit card to Apple Pay™, Google Pay™, or Samsung Pay™ for quick, secure, contactless transactions.

You’ll have access to more than 30,000 surcharge-free CO-OP ATMs nationwide, giving you convenient access to your money wherever you are.

Yes. Advantage Checking includes access to Zelle®, allowing you to send and receive money with friends and family, often within minutes.

You’ll have full Digital Banking access, including bill pay, eStatements, mobile check deposit, account alerts, and tools to track your money on the go.

Yes. You can schedule one-time or recurring bill payments directly from your checking account through Digital Banking.

Yes. With mobile deposit in the Cabrillo app, you can take a photo of your check and deposit it directly into your checking account.

Yes. You can open an Advantage Checking Account online in just a few minutes or visit any Cabrillo branch for in-person assistance.

Checking accounts come with free eStatements by default, but paper statements are available upon request.

Advantage Checking is ideal for anyone looking for simple, free checking with convenient digital tools and no hidden fees for everyday money management.

To open a checking account, you’ll need to become a Cabrillo member by providing a valid government-issued ID, Social Security number, and basic personal information. Once your membership is established, you can open an Advantage Checking Account online or in a branch.

Checks can be ordered through Digital Banking, by contacting the Virtual Service Center at 800-222-7455, visiting a Cabrillo branch, or calling the automated phone system at 877-838-5287.

With your VISA Debit Card, purchases come directly from your checking account. You can use it anywhere VISA is accepted, withdraw cash at ATMs, and add it to your mobile wallet. It’s simple, secure, and easy to track through online and mobile banking.

It’s safer than carrying cash, faster than writing checks, and accepted worldwide.

An ATM card is used only to withdraw cash. A VISA Debit Card does that and also allows you to make purchases in stores, online, and in mobile apps.

No. A debit card uses funds directly from your checking account, while a credit card uses a line of credit that you repay later.

You can use your VISA Debit Card anywhere VISA is accepted worldwide, as well as at more than 30,000 surcharge-free CO-OP ATMs.

You can swipe, insert, tap to pay, or use your phone after adding the card to your mobile wallet.

Yes. You can view real-time activity through Digital Banking and review transaction details on your monthly statements.

The purchase is authorized and then deducted from your checking account. Transactions may be PIN- or signature-based and typically post quickly, though some may take one to two business days.

Report it immediately. We’ll block the card to prevent fraud and issue a replacement.

Yes. You can use Card Controls in the Cabrillo app to turn your card on or off, set spending limits, filter transaction types, and receive real-time alerts.

Yes. You can use your card anywhere VISA is accepted internationally. Adding a travel notification in the app helps ensure transactions go smoothly.

Yes. Your card includes EMV chip protection, contactless security, and fraud monitoring.

Yes. You can set up one-time or recurring payments for utilities, subscriptions, and other bills.

There are no fees for everyday purchases, and you receive surcharge-free withdrawals at CO-OP network ATMs. Non-network ATMs may charge a fee.

Direct deposit is a simple and convenient way to get paid. Your employer sends your paycheck electronically to your Cabrillo checking account each pay period, so your money is available right away.

It’s fast, secure, and reliable. There are no paper checks to lose and no waiting in line—your paycheck goes straight into your account every payday.

You can find your account number at the bottom of your checks or by logging into online banking and viewing your checking account details.

In most cases, it takes one to two pay cycles for your employer to process your direct deposit enrollment. Once it’s active, deposits happen automatically.

Funds are available as soon as your employer releases the payroll file. For most people, that means your money is ready first thing on payday.

Yes, direct deposit is very safe. It’s one of the most secure ways to get paid because there are no paper checks that can be lost, stolen, or delayed.

Yes, you’ll need a Cabrillo checking account for your deposits to be received. Opening an account is quick and easy.

Yes, direct deposit works seamlessly with free eStatements, allowing you to view every deposit in your Digital Banking history.

A contactless payment lets you pay by tapping your Cabrillo VISA^® card or a payment-enabled device on a secure, contactless terminal. The transaction is processed instantly without swiping or inserting your card.

To pay with a contactless card, look for the Contactless Symbol on the terminal, tap your card near the symbol, and wait for the payment confirmation.

Yes, contactless payments are secure. They use the same advanced security as chip cards, including dynamic encryption for every transaction to help protect against fraud.

No, checkout terminals only connect with one card at a time. To avoid confusion, tap the specific card you want to use rather than your entire wallet.

No, a payment can only be processed when the merchant initiates the transaction and your card is held within one to two inches of the terminal. Simply passing by a terminal will not trigger a charge.

When you tap to pay, your card securely transmits your account number, expiration date, and a unique one-time code that changes with every transaction, helping protect your information from reuse.

Yes, you can use your VISA contactless card worldwide wherever the Contactless Symbol is displayed, including millions of merchants in countries such as Canada, the UK, France, and Australia.

Contactless cards and mobile wallets use the same Near Field Communication technology. The difference is that mobile wallets use your device, while a contactless card works directly. Samsung Pay also supports MST for older terminals.

You can use your contactless card at millions of merchants worldwide, including grocery stores, restaurants, gas stations, pharmacies, and more. If contactless isn’t available, you can still insert your chip or swipe your card.

All Cabrillo VISA^® Credit and Debit Cards include built-in contactless technology. 

A digital wallet is a secure app on your smartphone that stores your Cabrillo VISA^® debit or credit card. Instead of swiping or inserting your card, you can tap your phone at checkout or pay online through the wallet.

Digital wallets are accepted at millions of stores worldwide. Look for the contactless symbol at checkout, and use your wallet for in-app purchases and many online payments.

You can add any Cabrillo VISA^® debit or credit card to your digital wallet, including Signature, Traditional, and Share Secured cards.

Yes, digital wallets are safe and secure. They use tokenization, which means your actual card number is never shared. Each transaction uses a one-time encrypted code, and your phone’s passcode, Face ID, or fingerprint adds an extra layer of protection.

No, Cabrillo Credit Union does not charge any fees to use or add your cards to a digital wallet.

Yes, you can add multiple cards to your digital wallet and choose which one to use at checkout. Most wallets also allow you to set a default card for convenience.

Yes, you can use your digital wallet for online shopping and for recurring payments with apps or services that support digital wallet payments.

To set up your Cabrillo card, open your mobile wallet app such as Apple Pay, Google Pay, or Samsung Pay, tap “Add Card,” and follow the prompts to enter your card information.

Yes, adding your card to a digital wallet does not disable your physical debit or credit card. You can continue to use either option.

Yes, digital wallets work internationally anywhere the contactless symbol is accepted. Availability may vary by merchant, but many retailers around the world support digital wallets.

Digital wallets work on most modern smartphones and smartwatches. Apple Pay is available on iPhone and Apple Watch, Google Pay works on Android devices, and Samsung Pay is available on supported Samsung phones and watches.

Yes, you can set up real-time transaction alerts through Cabrillo Card Controls or Online Banking to track purchases made with your digital wallet.

Zelle^® is a fast, safe, and easy way to send and receive money directly between U.S. bank accounts, typically within minutes. All you need is the recipient’s email address or U.S. mobile phone number.

To set up Zelle^® with Cabrillo, log into Digital Banking, select ‘Send Money with Zelle^®’, and complete enrollment. Once enrolled, you can send money using a recipient’s email address or U.S. mobile phone number. Recipients must also be enrolled to receive funds instantly, or they can enroll using the Zelle^® app.

Yes, your information is secure. Zelle^® uses the same security protections as Cabrillo’s online and mobile banking, and payments move directly between accounts without storing sensitive financial information.

You can send money to friends, family, roommates, or anyone you trust who has a U.S. bank account and is enrolled with Zelle^®.

Zelle^® is intended for sending money to people you know and trust, such as friends and family. It is not designed for purchases from businesses or individuals you don’t know personally.

No, Zelle^® is only available for sending and receiving money between U.S. bank accounts.

No, Cabrillo does not charge any fees to send or receive money with Zelle^®.

If the recipient has not yet enrolled with Zelle^®, you may be able to cancel the payment. If the recipient is already enrolled, the payment is sent directly to their account and cannot be canceled.

Yes, daily and monthly sending limits may apply. These limits help protect your account and keep transactions secure.

They can still receive money by downloading the Zelle^® app and enrolling with their U.S. mobile phone number or email address.

If you receive an error during enrollment, your email or mobile number may already be linked to Zelle^® at another bank. You’ll need to move it to Cabrillo to use it here.

Most payments are available within minutes when both parties are enrolled. If the recipient is new to Zelle^®, funds may take 1–3 business days after enrollment.

For security reasons, specific Zelle^® limits cannot be shared here. If you believe you’ve reached a limit, please contact Cabrillo for assistance.

If you reach your sending or receiving limit, the transaction may not process. Please contact Cabrillo so we can review your account and help with next steps.

To confirm your specific Zelle^® sending and receiving limits, please contact our member support team at 858.547.7400 for exact details.

eStatements are digital versions of your monthly account statements and tax documents that you can view securely inside Digital Banking instead of receiving them by mail.

eStatements provide faster access, secure online storage, less paper clutter, and an eco-friendly alternative to mailed statements — all organized in one convenient place.

Your most recent statement becomes available as soon as it is generated, with no mailing delay.

You can view eStatements inside Digital Banking under Documents or eStatements & Notices for the account you wish to review.

Yes. eStatements are stored securely within Digital Banking and can be viewed, downloaded, or saved as a PDF anytime.

Yes. You can access previous monthly statements to assist with budgeting, taxes, or financial planning.

Log in to Digital Banking, open Documents or eStatements & Notices, and select Paper & Online Statements. Choose Online Statements Only to enroll.

Yes. You will be asked to review and accept the eStatement Disclosure before completing enrollment.

Yes. You’ll receive an email notification when a new statement becomes available in Digital Banking.

Your email address is used to send statement availability notifications, so confirming it ensures you receive alerts on time.

Log in to Digital Banking, navigate to Documents or eStatements & Notices, select your account, and choose from the list of available monthly statements.

Yes. You can view, download, print, or save your statements as a PDF directly from Digital Banking.

Yes. eStatements reduce paper waste and help protect natural resources by replacing printed statements with digital delivery.

Yes. You may update your delivery preferences at any time inside Digital Banking.

Yes. Eligible tax forms and year-end statements will also be available digitally within your eStatements & Notices section.

eStatements are protected behind Digital Banking authentication, reducing the risk of mail theft or paper records being lost or misplaced.

Online Bill Pay is a free service that lets you pay bills directly from your Cabrillo account. Instead of writing checks or mailing payments, you can schedule, track, and manage payments online or through the mobile app.

You can make recurring payments for fixed bills, schedule one-time payments when amounts vary, send same-day expedited payments, and pay both individuals and businesses.

Bill Pay saves time, eliminates postage, and keeps all your bills organized in one place. Payments are secure, tracked electronically, and guaranteed when sent on schedule, with the option to view eBills online instead of paper statements.

Yes, you can schedule recurring payments for bills that stay the same each month, such as mortgage, car payments, or insurance premiums, and Bill Pay will automatically send them on your selected date.

Yes, same-day and overnight payment options are available for many payees when time-sensitive payments are needed. Fees may apply for expedited services.

Yes, you can send secure person-to-person payments to anyone with an email address or U.S. mobile number, which is helpful for reimbursing friends, splitting costs, or paying service providers.

Yes, all payments are protected with the same encryption used in Digital Banking, and transactions are tracked electronically. Payments are guaranteed when sent on schedule.

Yes, you can view pending, scheduled, and completed payments anytime through your Bill Pay payment history.

Standard Bill Pay payments are free, but expedited same-day or overnight payments may include a small fee.

If you need help setting up or using Bill Pay, you can contact Cabrillo during support hours and a team member will assist you.

Payments are delivered either electronically or by paper check. Most payments are sent electronically, while some are mailed as paper checks through the U.S. Postal Service.

Payments are generally received within 2 to 7 days, depending on whether they are sent electronically or by paper check.

The cutoff time to submit a bill payment for same-day processing is 1:00 p.m. PT.

Funds are typically withdrawn from your account at approximately 1:30 p.m. PT on the day the bill payment is processed.

Yes, you can place a stop payment until 9:30 a.m. PT the day after the payment is processed by contacting the Bill Payment Help Desk at 866.202.5489.

If sufficient funds are not available, your bill payment may be delayed or returned. Keeping enough funds in your account helps avoid disruptions or fees.

Yes, you can track pending and completed bill payments directly through Bill Pay by viewing your payment history.

You can view all of Cabrillo’s disclosures on our Disclosures & Forms page, including membership agreements, VISA disclosures, online banking terms, and more.

Yes, our Loan Application form is available online. You can complete it digitally or print it and return it to Cabrillo.

The Balance Transfer Form is available on the Disclosures & Forms page. Once completed, you can submit it to request a transfer.

Yes, you can request an additional debit or credit card by completing the Additional Plastic Form.

Cabrillo’s Fee Schedule is available under Disclosures and can be reviewed or downloaded at any time.

The Membership Agreement (Effective 07/01/2025) is available on the Disclosures & Forms page and includes all account terms and conditions.

Yes, Cabrillo’s Privacy Policy and Online Privacy Policy are available online to view or download.

The Cabrillo Cash Back Rewards Terms & Conditions disclosure outlines program details and is available for download online.

The Mobile Deposit Terms and Conditions are posted online under Disclosures and can be reviewed before using mobile deposit.

Yes, Cabrillo’s Annual Report is available online under Miscellaneous on the Disclosures & Forms page.

Members can view and download the Fee Schedule directly from Cabrillo’s website. Additional assistance is available through Member Support or at a branch.

Holds may apply to certain deposits, including ATM deposits, mobile deposits, and checks, and the length of the hold can vary based on the item and your account history. For full details, please review Cabrillo’s Funds Availability Policy on the Disclosures & Forms page.

Holds may apply to mobile deposits depending on the item and your account history. For complete details, please review Cabrillo’s Funds Availability Policy on the Disclosures & Forms page.

Holds may apply to checks based on the type of deposit and your account history. For complete details, please review Cabrillo’s Funds Availability Policy on the Disclosures & Forms page.

‘Make a Transfer’ lets you move money securely in one place — including transfers between your accounts, external account transfers, Bill Pay payments, Member-to-Member transfers, loan payments, and Zelle^®.

Yes. You can instantly transfer funds between your Cabrillo accounts — perfect for saving, budgeting, or moving money when you need it.

Yes. External Accounts let you securely link accounts from other financial institutions to Cabrillo Digital Banking so you can transfer money, make payments, and manage your finances all in one place.

Member-to-Member Transfers let you securely send money to another Cabrillo member using a simple one-time code connection between your accounts.

The recipient creates a secure M2M code in Digital Banking and shares it with the sender. The sender adds the account using the code, then transfers funds quickly and safely.

Yes. Bill Pay lets you pay bills from one convenient place, add payees, schedule payments, and set recurring payments so you never miss a due date.

Log in to Digital Banking, select Pay Bills, accept Terms & Conditions (first-time users), and select Add a Payee to begin.

You may search for a payee in the directory, or manually enter their name, phone number, routing and account number, and account type (checking or savings).

Yes. You can set one-time or recurring payments and choose your payment frequency, send date, and schedule end date.

Yes. You can view scheduled payments, review past payment history, and mark favorite payees for faster access.

Yes. You can make one-time or scheduled payments to your Cabrillo loans using your Cabrillo account or an account from another financial institution.

Log in to Digital Banking, select your loan from your Accounts list, tap the Make a Payment ($) icon, choose your funding account, and follow the prompts.

Yes. You can schedule recurring payments and choose your frequency, start and end dates, or select the number of payments to make.

Yes. On the Review Transfer screen, you can confirm, edit, cancel, or schedule your loan payment before completing.

Yes. Paying your Cabrillo loan with a debit card offers a fast and flexible one-time payment option when paying from another financial institution.

Zelle^® lets you send money directly from your Cabrillo account to people you know and trust — fast, convenient, and built right into Digital Banking.

From the main menu, select Make a Transfer, choose the account you’re transferring from and to, enter the amount, and select whether to send now or schedule for a future date.

Yes. You can schedule transfers weekly, biweekly, monthly, or on a custom schedule.

Completed and scheduled transfers appear under History or Scheduled Transfers, so you always know what has been sent and what’s coming up.

Card Controls give you real-time control over how your Cabrillo debit and credit cards are used. You can turn cards on or off, set spending limits, choose allowed transaction types, manage merchant categories, and control where your card can be used.

Card Controls are built right into Digital Banking. Simply log in online or through the Cabrillo Mobile App, open your card account view, and select Card Controls to manage your settings.

Card Controls provide added control, protection, and peace of mind. You can manage how and where your cards are used, reduce the risk of fraud, and customize your card preferences to match your spending habits.

Yes. If you misplace your card, you can instantly turn it off to stop new purchases. When you find it, you can turn it back on just as quickly for continued use.

Transaction Controls let you choose which types of transactions are allowed on your card, such as in-store purchases, online transactions, ATM withdrawals, or international purchases.

Region and Location Controls allow you to create geographic regions where your card may be used. This helps limit activity outside of areas you trust and reduces the risk of unauthorized transactions.

Merchant Controls let you select which business types are allowed on your card, such as groceries, gas, restaurants, entertainment, or travel merchants, helping you align spending with your priorities.

Yes. You can set spending limits per transaction or per day. These limits help manage your budget and prevent large or unexpected charges.

Changes take effect in near real time. Once your preferences are saved, your card settings update almost immediately.

Travel Alerts notify Cabrillo when you are traveling so your card continues working normally while you’re away and is less likely to be flagged for unusual activity.

Submit a Travel Alert before your trip. Provide your travel dates, destination, and the cards you plan to use so transactions can be recognized while you’re traveling.

When we know you're traveling, we can better identify legitimate transactions in your travel area, reducing the chance of declined purchases or fraud flags.

Log in to Digital Banking, open Card Controls, and select Travel Notice. Enter your travel dates, destinations, contact information, and select the cards you will use. Submit and you’ll receive confirmation once saved.

Yes. You may update or remove a Travel Alert at any time if your travel plans change.

Subscription Alerts let you receive notifications for international purchases, out-of-region activity, specific merchant categories, transaction types, or spending limits so you can spot unusual activity quickly.

Alerts are sent through the delivery channels you select, such as email, text, or mobile app notifications, so you can stay informed in real time.

Yes. Card Controls, Travel Alerts, and Subscription Alerts are available inside Digital Banking. Simply log in and begin customizing your preferences any time.

Digital Banking includes multiple layers of authentication designed to give you greater control over your account access. As you enable additional security methods, your overall protection level increases automatically.

Security is structured in three levels: Basic (username + password), Intermediate (adds Two-Factor Authentication), and Advanced (adds Authenticator App and Push Authentication).

You can increase your protection by enabling additional authentication methods inside Digital Banking, including Two-Factor Authentication, Passkey MFA, an authenticator app, and push authentication.

Log in to Digital Banking, click the User Icon in the top-right corner of your dashboard, select Security, then choose Authentication to view your current protection level and available options.

The Basic level includes standard login using your Digital Banking username and password.

The Intermediate level adds Two-Factor Authentication (2FA), which requires a verification code each time you log in.

In the Authentication menu, check the box next to Two-Factor Authentication and click Save. A verification code will now be required when you log in, increasing your protection to the Intermediate level.

Passkey allows you to authenticate using a secure device-based identity method instead of automatically receiving a Push Authentication prompt.

When Passkey is enabled as your primary MFA method, automatic Push Authentication is bypassed. Passkey becomes your default MFA option, while Push Authentication remains available as an alternative from the MFA dropdown menu.

Yes. Push Authentication is still available as an additional MFA option and can be selected manually when needed.

The Advanced level includes Two-Factor Authentication plus an authenticator app and push authentication for maximum account protection.

An authenticator app generates secure one-time codes on your mobile device, providing stronger security than text or email verification codes.

In the Authentication menu, toggle Google Authenticator (Android) or iPhone Authenticator (iOS), download the app, scan the QR code, enter the generated code, and click Submit.

Once your authenticator app is active, your protection level updates to the Advanced level.

Push Authentication sends login approval requests to your mobile device, allowing you to approve or deny login attempts directly from the Cabrillo Mobile App.

Each added method increases your account security, reduces fraud risk, and gives you more control over how your account is accessed.

Yes. The Advanced level combines password security, 2FA, Passkey, authenticator app verification, and push approvals for the highest level of protection.

Direct Deposit by Atomic is a secure, built-in feature in Digital Banking that allows you to switch or update your paycheck deposit electronically — without paperwork or contacting your employer or HR department.

Atomic connects securely to your payroll provider so you can update your paycheck instructions directly inside Digital Banking using a guided in-app process.

No. With Atomic, there are no paper forms or manual signatures. All updates are completed digitally through the mobile app or online banking.

Yes. Atomic uses industry-standard encryption and secure connections to protect your payroll credentials and personal information throughout the process.

Updates are submitted digitally to your employer or payroll provider, helping your direct deposit switch occur faster than traditional paper forms.

Yes. You can deposit your full paycheck into one account or allocate portions to multiple Cabrillo accounts — such as checking, savings, or goals-based accounts.

Log in to Digital Banking through the Cabrillo Mobile App or online banking, click the three-dot menu, and select Direct Deposit to begin.

Yes. Before switching your deposit, you’ll review and accept the Digital Banking Terms & Conditions related to payroll switching.

This step securely connects Atomic to your payroll profile so it can update your direct deposit instructions on your behalf.

Use the search bar inside Atomic to locate your employer or payroll provider (such as ADP, Workday, or others), then select the correct option to continue.

Yes. You’ll enter your existing payroll credentials to authorize the connection and confirm permission to update your direct deposit settings.

You’ll select the Cabrillo account(s) where your pay should be deposited, and you may choose to send 100% to one account or split it across multiple accounts.

Atomic digitally submits your update to your employer or payroll provider. Your upcoming paycheck(s) will begin depositing into your selected Cabrillo account(s).

No. Atomic communicates the update automatically, so no separate employer form or HR follow-up is required.

You can adjust your direct deposit at any time by returning to the Direct Deposit option inside Digital Banking and updating your selections.

Once confirmed, your paycheck will begin depositing into Cabrillo based on the allocation and schedule you selected. No additional steps are required unless you choose to make changes in the future.