The following questions are commonly asked about loans, credit cards, and everything that members commonly find confusing about them. Scan the list below before contacting us - you might find that your answer is only seconds away!
Nope - you are welcome to apply even if you haven't established membership with us. However, if approved for the loan, you will need to open a Membership Savings account with at least $50.00 to establish membership (and meet all qualifications thereof).
See our Loans sections (via the menu above) for printable applications that you can bring in with you, or you can apply online to have your information sent quickly and securely to our Member Loan Services department. We'll let you know whether you qualify (or if not, what you might be able to do to qualify) and get the ball rolling.
There are several ways to apply for a Coast Central loan - the easiest of which is right here on our website. Under any loan category (Autos, Real Estate, etc.), there will be a section at the bottom of the page to "Apply Now." Select the online application there, or choose to complete and print a copy that you can bring in to any member services branch, fax, or mail.
You may also call our Member Loan Services department at (707) 445-8801 ext. 365.
The quickest way to receive a decision is usually to visit us in person, but we are usually able to respond to online applications within one business day.
The most important thing is to notify our Collections department if you're having trouble. We understand that this can be a difficult phone call to make but we're here to help. Depending upon your circumstances, we may be able to offer you a loan extension. At the very least, it is better that we know what's going on so we know you're not skipping out on the loan entirely. Good communication is key to helping you avoid repossession or foreclosure and get back on track with your loan payments.
In order to have your title released right away, your loan must be paid off with guaranteed funds - for example, a cashier's check, cash, wire transfer, or a transfer from another Coast Central account. Most of our titles are electronic. If your title is electronic, we can release the title to DMV so they can mail the title to you. If you prefer, we can give you a Reg 227 form, which you can take to DMV to have them print the title for you. With a Reg 227 form, there may be fees associated with having the title put into your name.
Our Member Loan Services department will need copies of documents showing Coast Central as the lienholder for your vehicle. You may submit these in person (at any of our member services branches), by mail, or by fax at (707) 445-5929. You may also submit your insurance information online at MyLoanInsurance.com.
If your vehicle is repossessed due to nonpayment on your loan with Coast Central, you should contact us immediately to discuss your options. Depending upon your circumstances, you may be able to regain possession of your vehicle and resume a positive loan relationship with the credit union.
If you are currently experiencing financial difficulties in making your Coast Central mortgage payments, the following information may be able to help you.
Home Affordable Modification Program If you have your primary residence financed with us and this loan originated between January 1, 2003 and January 1, 2008, you may be eligible to receive assistance through our Home Affordable Modification Program. In order to determine your eligibility for this program, we will need the following information:
A letter or a detailed statement, signed by you, pertaining to your financial problem along with any supporting letters, claims, bills, etc. Your current income information (pay stubs/vouchers, unemployment compensation letter, disability awards, etc. Please bring this information to your nearest Coast Central Credit Union Member Services Manager. Once we have received the above documents, discussed them with you and have completed our review, we will let you know if you are eligible for the Home Affordable Modification Program.
Other Available Options The following are other options that might be available to you: Selling the house Rent the house out and use the monthly income Refinance the mortgage and consolidate other debts to ease cash flow Deed in lieu of foreclosure (voluntary return of the property to the lender)
Important Phone Numbers To find a HUD-certified housing counseling agency, please call: Toll-free: (800) 569-4287 Toll-free (TTY): (800) 877-8339
For more information, please feel free to contact our Member Loan Services team or our Collections department.
If you paid more $600 or more in interest during the year, a 1098 form will be automatically mailed to you by the end of January of the following year. If you need it earlier, the information is actually available January 1 on your year-end member statement (within online banking). Just log in and select E-Statements from the left menu under Services. (Please note that accessing E-Statements does not require you to sign up for the full E-Services package - thereby turning off paper statement delivery. You can view your statements here any time within online banking without changing your actual statement delivery preferences.)
If, after the end of January, you haven't received your 1098 form, have misplaced it, or have questions, please contact our Member Support Center at (707) 445-8801. They can look up your interest amount for the prior year and answer any other questions you may have.
Fees can depend upon the type of loan you select, your credit score, loan-to-value ratio, and other factors. Please contact our Member Loan Services Department at (707) 445-8801, ext. 365 for a more personalized estimate.
"Verified By Visa" is an extra layer of added security that some online merchants use to increase the security of your online transactions. When you go to make a purchase at a participating merchant, you will be prompted to set up a password that will be asked of you each time you use another VBV merchant in the future. As this method gains in popularity, it helps increasingly to protect you from online fraud. If someone has your lost or stolen Visa card, or has obtained unauthorized access to your card information, they won't get far without your VBV password.
You can also use Verified by Visa's website to change or reset your password, view participating merchants, see a demo of how the service works, and read even more frequently asked questions. You can register for the service there as well, if you haven't already.
On the day you make a deposit/payment to your Visa card, it may take a short time for Visa's processing network to update your available credit amount. Thus you may attempt a purchase later in the day and experience a card decline, even if your balance/availability in our system has been updated.
If you need to make a purchase for more than the amount of your available credit, it is generally safest to wait until the beginning of the next business day. Visa payments are usually updated by 9:00am, with a second update on Fridays around 4:30pm.
If you see a transaction on your Coast Central Visa card and believe it is unauthorized, the best thing to do first is to contact the company who made the charge. If a number is listed within the transaction (in your statement's account history or online banking), try giving them a call. You can also use directory assistance or search the Internet for contact information. Sometimes unexpected charges turn out to be legitimate (the company name may vary from what you were expecting), or it could be a simple misunderstanding. If you are positive the charge was unauthorized (and you did not participate whatsoever), you may pursue a Visa dispute through Coast Central.
To begin the dispute process, come in to any member services branch and fill out a Visa dispute form. If you live out of the area, you may also send a letter with your name, member number, and the charge(s) in question. Please provide as much information as possible, and your signature is required. Mail the letter to:
Coast Central Credit Union Attn: Card Services Department 2650 Harrison Ave. Eureka, CA 95501
If you have questions about the dispute process, our Card Services Department can be reached at (707) 445-8801, ext. 291.
Once we receive your dispute, Our Card Services Department will review your request and investigate the situation. If they find the charge(s) to be fraudulent or unauthorized, you will receive a credit. Please refer to our EFT Disclosure for specific details on error resolution.
Please note that if you participated in the transaction(s), you will need to attempt to resolve the situation with the merchant. Refer to the terms and conditions applicable to your relationship with them. For example, charges resulting from "free trial" periods generally do not qualify as unauthorized. If you complied with the merchant's terms and conditions and are unable to resolve the situation with them, you may pursue a Visa dispute through Coast Central.
If you received merchandise and returned it for a refund, a dispute cannot be filed until 30 days after the return date (to give the merchant time to issue a credit). If 30 days have passed and no credit has been received, you may pursue a Visa dispute. You must provide a copy of your shipping receipt showing the tracking number and that the package was insured.
Notify the credit union immediately (or as soon as possible if discovered outside of business hours). You can call our Member Support Center at (707) 445-8801, or during evenings and weekends, you may call (800) 682-6075 to block the card directly with our processor. During some evening and weekend hours, you may also be able to visit our Bayshore Mall or Ray's Food Place locations. See our Locations & Hours section for exact hours of availability.
When a credit card is lost or stolen, the card number must be blocked, including any additional cards (with the same number) belonging to joint members. A new card (or cards) will be issued automatically and sent to the mailing address on file for your account. For your security, a new PIN will be issued for each card as well. You may change your PIN by visiting any of our member services branches during business hours.
Cards are blocked at the time of notification (either to us or our processor), so any charges made prior to this time will still attempt to process. If you are worried about unauthorized charges, please contact us.