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Share (Savings) Account
You can join our credit union with a $25 minimum deposit to your Share Account. This is not a fee; this small deposit becomes your “share” of the credit union. It also entitles you to all the wonderful benefits of membership with us.
There are no monthly fees or service charges on the Share Account.
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| Share-Draft (Checking) Accounts
What ever your lifestyle is, what ever stage of life you are in, California Pacific FCU has a
share-draft checking for you. We offer four types of Share-Draft accounts, each specifically designed to fit your checking needs.
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Power-Plus Share-Draft Account
• Dividend bearing
• Free Visa Debit Card with over 25,000 surcharge free ATMs nationwide
• Free online banking with e-statements
• No Monthly Fees
• Free Standard Checks with no per-check charge
• Unlimited number of share-drafts (checks)
• Unlimited number of teller transactions Overdraft Protection Line of Credit †
† Subject to credit approval
You’ll find that a Power Plus Share-Draft account is similar to a bank checking account, but with more benefits and control features. A minimum deposit of $25 is all you need to open your Power Plus Share-Draft Account. The Power-Plus Account features: |
Element Share Draft (Checking) Account
Our Element Share Draft (checking) is available for members who do not qualify for our other share draft accounts due to prior difficulties maintaining a positive account balance.
We encourage our members that may have had financial difficulties in the past to inquire about our Element account. As YOUR credit union, we look for ways that we can assist you in managing your money, repairing your credit, and taking steps toward your future financial goals. The Element account features:
• Free Standard Checks with no per-check charge
• Free Visa Debit Card with over 25,000 surcharge free ATMs nationwide
• Free On-line banking and e-statements
• Free Guide to Managing Your Money
• Unlimited teller transactions
An Element Account can be opened with a minimum deposit of $25. There is a low monthly maintenance fee of $5.00. After 12 months with no Non-sufficient Fund (NSF) activity, Element accounts are eligible for our Power Plus Share Draft account.
For more information about our Element account, ask a Member Service Representative.
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Fusion Student Share-Draft Account
Our innovative Fusion Student Share-Draft Account is designed for our forward-thinking members ages 13-17. Whether you are turning 13 or getting your first job, this account is a combination of both traditional and paperless banking. We want to help you learn financial responsibility in an exciting and money making way. To open a Fusion Student Share-Draft Account you’ll need a parent or guardian as a joint owner on the account and a minimum deposit of $25.00.
8 things our Fusion Student Share-Draft Account offers:
- Fusion Visa Debit Card with over 25,000 surcharge free ATMs nationwide
- No monthly account maintenance fees
- Free On-line banking with e-statements
- Unlimited teller transactions
- Free Bill Pay
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Fusion Visa Credit Card
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Direct Deposit
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Free Standard Checks
For more information about our Fusion Student account, please speak with a Member Service Representative.
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Platinum Share-Draft Account
Our Platinum Share-Draft account is designed for members 55 and older. The Platinum Share-Draft account has the highest level of benefits and features available. With a minimum deposit of $25.00 you can enjoy the unequaled service that the Platinum
Share-Draft account provides. The Platinum Account features:
• Free Visa Debit Card with over 25,000 surcharge free ATMs nationwide
• Free Checks of your choice with no per-check charges
• Free On-line banking with e-statements
• Free Unlimited Bill Pay
• No Monthly Maintenance Fees
• Unlimited Teller Transactions
• Dividend Bearing
• Overdraft Protection Line of Credit †
• Free Wire Transfers, Money Orders, and Cashier’s Checks
† Subject to Credit Approval
For more information about our Platinum account, ask a Member Service Representative.
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Mini-Moguls Youth Savings Club
Our Mini-Moguls Savings Club is designed for members ages 2-12.
 Features of our Mini-Moguls Savings Club include:
• Monthly contests and events
• Special drawings
• Birthday gifts
• Savings challenges
• Holiday activities
• Youth financial management classes, materials, and activities
• Reward Dollars
We’ll match your deposit 1 Reward Dollar for every $5.00 deposited into your Mini-Mogul account. If you visit one of our Branches on a Mini-Mogul Monday or Saturday, we’ll DOUBLE the reward dollars! Collect your Reward Dollars and exchange them for prizes
at any Branch.
If you aren’t a member, you’ll need a parent or guardian’s permission to start your free membership. When you start your membership you will receive a Mini-Mogul Start-up Kit.
For more information about our Mini-Mogul Youth Savings account, please speak with a Member Service Representative.
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Visa Debit Cards
This card is a must. Linked to your share-draft checking, you can access your funds at over 25,000 locations across the U.S. and Canada. You may also access your account through any Bank of the West ATM. Use your card where ever you see the Visa logo and the funds are directly taken from your share-draft account. It's easy, it's convenient and best of all it's free.
It works like a check but it's faster and easier. Visa is accepted at more than 23 million merchants. Now that's buying power.
Get your Visa Debit card today!
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Personal Loans
As a member-owner you can take advantage of the many products and services including personal loans. Whether you're looking for a Line of Credit or perhaps a Visa credit card, we've got the loan to fit your needs. With our easy application process and our knowledgable staff, we'll have you off and spending in no time!
Ready to apply? Click here
A few of the loan products we offer include:
• VISA
• Line of Credit
• Signature Loan
• Share Secured
Remember, as a not-for-profit organization, you are able to realize big savings with our low-rate lending. It's just one more way California Pacific FCU is sharing in your future.
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 Home Loans
First time Home buyer? No problem.
Need an Adjustable Rate Mortgage? Got that too!
Need cash out? Yes, we can help you with that.
In fact, we offer so many different types of plans (because there
are so many different types of needs) we can't even list them all!
Simply call Brandon DeGrazio at 877-274-4554.
You're in good hands with California Pacific FCU, your member-owned Credit Union.
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Home Equity's
Unlock the power inside your home with a California Pacific FCU Home Equity. Let us help you open the door to your equity inside your home so you can make those needed repairs, take that dream vacation, or help your children off to college.
Our low rate APR and application fee of just $275.00 is just the beginning. CLTV is 80%, the index (mo. avg. of 6 mo. T-bill rate auction high) is a value plus a margin from 3-7% based on your good credit rating. Min. APR 8.00 / Max. APR 18.00%.
What does all this mean? It means we can help you help yourself. There may also be tax advantages too, consult your tax professional for your specific situation.
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Money Market Savings
Earn more dividends with a California Pacific FCU Money Market Savings account. Do you have extra funds in your share savings account? Perhaps you have a savings at a bank or other institution?
Well, we have the answer for those who do not need constant access to their money. The Money Market Savings earns a higher rate of dividend and still provides semi-liquid accessibility.
Ask a Member Service Representative for details.
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 Time Share Certificates
Looking for a better return than what the banks offer?
Serious about putting some money away for a rainy day?
Our Time Share Certificates offer just that, safety, convenience and a solid return. You choose the term, we have them up to 48 months!
What does it take to start? With a low $1,000.00 minimum, we make it pretty easy...You can have the dividends sent to your home via check, or you can just leave them in the account and let them compound. Either way, you're a winner.
Click HERE to see our current offerings.
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Money Orders, Wire Transfers, and Corporate Checks
Our members has acceess to a full range of products and services to include Money Orders, Wire Transfers, and Corporate Check (Cashier's Checks). These no or low cost products are available at any of our convenient branches. We also offer Notary Services and have various theme park discount tickets.
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Want to check your balances without going on-line?
Use your touch tone phone 24-7 with our Automated Response Telephone (ART): (800) 724-7556
California Pacific FCU - Sharing in Your Future
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