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Credit Union Basics
What is a credit union?
What makes a credit union different from a bank?
How does the credit union operate?
Who governs credit unions?

Hours of Operation, Locations, Phone Numbers
When is the credit union open?
What are the holidays the credit union is closed?
Where are the credit union offices located?
What are the credit union phone numbers?
Where can I find credit union's ATMs?

Membership
Who is eligible for Membership?
How can I become a member of VA Desert Pacific Federal Credit Union?

Online Transactions
Can I reorder checks through this website?
Can I manage my account online?
Can I sign up for Bill Payment online?

Still Need Help?
Who do I contact if I have additional questions?





Credit Union Basics

Q. What is a credit union? back to top
A. A credit union is a cooperative financial institution, owned and controlled by its members. Credit unions typically serve groups who have something in common, such as where they live, work, or attend church. Becoming a member of a credit union carries power because credit unions are not-for-profit, and exist to provide members with a place to save money and get loans at reasonable rates.

Credit unions, like all other financial institutions, are closely regulated. The National Credit Union Share Insurance Fund, administered by the National Credit Union Administration (NCUA), an agency of the federal government, insures deposits of credit union members at more than 98% of federal and state-chartered credit unions nationwide, and the remainder are insured by safe private insurers. Deposits are insured up to $250,000.

Q. What makes a credit union different from a bank? back to top
A. Like banks, credit unions accept deposits and make loans--but unlike banks, credit unions are not in business to make a profit. Banks exist to make money for their stockholders, not for their depositors. Credit unions exist solely to serve their member-owners, and benefits are returned in lower loan rates and higher deposit rates. Credit unions are the only democratically controlled financial institutions in the U.S. Members elect a volunteer board to oversee the credit union and the president reports to this board. Bank directors, however, are paid and legally bound to make decisions that benefit stockholders, not customers.

Q. How does the credit union operate? back to top
A. The annual membership meeting provides members the opportunity to be directly involved in the credit union's direction by electing the people who serve on the board of directors. The board of directors is responsible for ensuring that the credit union fulfills its key purpose.

It chooses someone to manage the credit union (a president or manager) and this person is responsible for the day-to-day operation of the credit union. The VA Desert Pacific Federal Credit Union board members are professionals serving on a volunteer basis.

Q. Who governs credit unions? back to top
A. A credit union receives its authority to operate by obtaining a federal or state charter. Federally chartered credit unions follow the regulations set by the Federal Credit Union Act, and state chartered credit unions follow those under the State Credit Union Act. Annual examinations and oversight are conducted by the supervisory agencies-the National Credit Union Administration (NCUA) for the federal credit.

Hours of Operation, Locations, Phone Numbers

Q. When is the credit union open? back to top
A. Click here to see the credit union's hours of operations.

Q. What are the holidays the credit union is closed? back to top
A. Here is a list of holidays observed by the Federal Reserve, and on which the VADPFCU is closed in 2013:

New Year's Day
Birthday of Martin Luther King, Jr. 
President's Day 
Memorial Day 
Independence Day 
Labor Day 
Columbus Day 
Veterans Day 
Thanksgiving Day 
Christmas Day 

Q. Where are the credit union offices located? back to top
A. Click here to see the locations of our offices.

Q. What are the credit union phone numbers? back to top
A. The Main Office phone numbers are (562) 498-1250 and 1-800-993-VADP(8237) outside of the 562 area. The Teller Line phone number (Inquiries, withdrawals, transfers, loan advances) is (800)390-2524.

Q. Where can I find credit union's ATMs?
A.  You'll find credit union's ATMs at the following VA hospitals' locations.   
  • 5901 E. 7th Street, Building 4, Long Beach, CA 90822
  • 5901 E. 7th Street, Building 2, Long Beach, CA 90822 (24-hours access, deposit taking)
  • 11301 Wilshire Blvd, Building 500, Room 1404-1405, Los Angeles, CA 90073
  • 11301 Wilshire Blvd, Building 500, Main Hall Way, Los Angles, CA 90073 (deposit taking)
  • 16111 Plummer Street, Building 20, North Hills, CA 91343 (deposit taking)
  • 16111 Plummer Street, Building 200, North Hills, CA 91343

To locate non-proprietary and surcharge-free ATMs, please click here.

Membership

Q. Who is eligible for membership? back to top
A. Click here for a list of persons eligible to join.

Q. How can I become a member of VA Desert Pacific Federal Credit Union? back to top
A. To become a member of the VA Desert Pacific Federal Credit Union, simply open a savings account with us for as little as $50 and pay the $10 one time membership fee. Your $50 savings account is your stake in the credit union, making you a member and a part owner. For more information and to download an application, click here.

Online Transactions

Q. Can I reorder checks through this website? back to top
A. Yes. If you need to reorder checks, go to the Resources page of this web site, select the Reorder check link. This will link you to the Harland-Clarke (formerly Liberty) website where there are additional instructions.

Q. Can I manage my account online? back to top
A. Yes. Access your account with Netbranch using the Account Login link located on every page. You and your family will have secure and easy access to your VA Desert Pacific Federal Credit Union accounts over the internet, 24 hours a day, 7 days a week.

Q. Can I sign up for Bill Payment online? back to top
A. Yes you can! Click here to sign up for online Bill Payment.

Change of Address, Phone or Name

Q. How do I change my address or phone number? back to top
A. There are three ways to change your address or phone number with the credit union:

1. Complete a Change of Address form. Fax the signed Change of Address form to (562) 597-5122. This way we can verify the signature for the change and process your request immediately.

2. Mail or drop off your signed Change of Address form to: VA Desert Pacific Credit Union, 5901 E. 7th Street, Building 4, Long Beach, CA 90822

3. Call the credit union at (562) 498-1250, Option 2 during our business hours.  Please have your share and/or loan account history available as we need to verify additional account information to ensure we properly verify and protect your identity prior to changing your address.   The process to change your address by the phone will take approximately 5 minutes.  

Please don't send address changes or other personal information or requests through regular email because it is not secure.

Q. How do I change my name on my account? back to top
A. A new signature card will need to be signed by all owners for all suffixes (accounts) that you own at the VA Desert Pacific Federal Credit Union. We also need a copy of your new driver's license, marriage certificate or divorce papers. We ask that you come to our offices to change your name, but the signature card can be sent out if necessary.

Web Site Security

Q. Is it secure when I access my account online? back to top
A. Yes. The VA Desert Pacific Federal Credit Union uses NetBranch. This service employs industry leading security features to ensure that all of your transactions are conducted with the highest possible privacy and protection. All data is encrypted using 128-bit encryption, the strongest form available, and transferred via the Secure Sockets Layer (SSL) protocol between you and your Credit Union.

Q. Is it secure to pay my bills online? back to top
A. Yes. Online Bill Payment uses the highest level of encryption protection available in order to safeguard your account information. For a demo, click here.

Help with Cards

Q. How do I get help with my Visa Credit Card Account/Card? back to top
A. Effective Tuesday 5/29/2012, please call our 24x7 Call Support Center at 1-866-499-3042 (in the US) or 1-605-782-3819 (outside the US). 

Q. My ATM/Visa Debit Card is lost. How do I get a new one? back to top
A. To report a lost or stolen debit card and obtain a new card, please call the credit union (562) 498-1250, Option 2, Monday, Tuesday, Thursday 8.30 AM- 4.00 PM,  Wednesday 10.00 AM- 4.00 PM, Friday 7.00 AM- 5.00 PM. After business hours, please call (800) 262-2024.

Q. I forgot my PIN. What do I do next? back to top
A. If you forgot your PIN and attempted to withdraw with an incorrect PIN, our card processor will deny all attempts after 3 tries.  Thereafter, even if you remember your PIN, the PIN tries has to be reset before you may use your card again.  To have the PIN tries reset, please call the credit union (562) 498-1250, Option 2.  If you can't remember your PIN, you need to take your card to one of the branches and have the PIN reset.

Q. Where can I withdraw without paying the surcharge fee? back to top
A. The credit union is a member of the Co-OP and Accel/Exchange networks.  Wherever you see an ATM that displays the Co-OP and/or Accel/Exchange logo, you may withdraw funds without paying the surcharge fee.  To locate the nearest surcharge-free Co-OP ATM, click here.  To locate the nearest surcharge-free Accel/Exchange ATM, click here.

Deposits

Q. How do I sign up for direct deposit? back to top
A. Paychecks
For direct deposit of your paycheck, contact your employer's payroll department for the appropriate forms and information.

Social Security
To arrange direct deposit of your Social Security and/or Social Security Supplemental Income payments, call the Social Security Administration at (800) 772-1213.

Pensions and VA Payments
To arrange direct deposit of your VA or pension checks, call your employer's human resources department.

Q. Are savings deposits insured? back to top
A. Yes. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.  For more information about how your funds are federally insured, click here.

Q. Where can I make deposits? back to top
A. Cash deposits can be made at our Long Beach branch.  Non-cash deposits (checks, money orders, etc.) can be made in person in all three branches, by mail, or at many Co-OP, Accel/Exchange networks' deposit-taking ATMs.  To locate the neareast Co-OP deposit-taking ATM, click here (check Deposit Taking Only box when perform search).  To locate the nearest Accel/Exchange deposit-taking ATM, click here (check DEPOSIT HERE! box when perform search).

ATM/Debit Card Protection

Q. How is the credit union helping to protect my ATM/debit card? back to top
A. To protect your account, we monitor your ATM and debit card transactions for potentially fraudulent activity which
may include a sudden change in locale (such as when a U.S.-issued card is used unexpectedly overseas), a sudden
string of costly purchases, or any pattern associated with new fraud trends around the world.

If we suspect fraudulent ATM or debit card use, we’ll be calling you to validate the legitimacy of your transactions.
Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place
on the use of your card.

• Our automated call will ask you to verify recent transaction activity on your card.
• You’ll be able to respond via your touchtone keypad.
• You’ll also be provided a toll-free number to call should you have additional questions (800) 993-VADP or (800) 262-2024.

Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue
to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times. In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. 

Still need help?

Q. Who do I contact if I have additional questions?  back to top
A. You may contact the credit union directly at (562) 498-1250, Option 2, Monday, Tuesday, Thursday 8.30 AM- 4.00 PM,  Wednesday 10.00 AM- 4.00 PM, Friday 7.00 AM- 5.00 PM and one of our Member Service Representatives will be happy to assist you.
Frequently Asked Questions
Change of Address, Phone or Name
How do I change my address or phone number?
How do I change my name on my account?

Web Site Security
Is it secure when I access my account online?
Is it secure to pay my bills online?

Help with Cards
How do I get help with my Visa Credit Card Account/Card?
My ATM/Visa Debit Card is lost. How do I get a new one?
I forgot my PIN. What do I do next?
Where can I withdraw without paying surcharge fee?

Deposits
How do I sign up for direct deposit?
Are savings deposits insured?
Where can I make deposits?

ATM/Debit Card Protection
How is the credit union helping to protect my credit/debit card?

Glossary of Terms
A convenient banking/ financial glossary of terms from A to Z. 


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