Member Account Questions
The easiest way to update information is to login to Online Banking and under the “Info Center” tab select “Personal Information”. If Online Banking is not an option, visit branch LOCATIONS.
Your checks and free debit card will arrive in the mail in approximately 7-10 business days.
Actual balance reflects the actual funds that are in an account at any given time. Available balance is the amount that is available for use; this could reflect authorized holds from merchants for debit card transactions, uncollected fund holds for deposited items, and a variety of other transactions. It is important to remember to always spend based on available balance not actual balance.
Between CALCOE accounts – immediately
Between a non-CALCOE account and a CALCOE account – typically two to three business days.
Between a non-CALCOE account and a CALCOE account – typically two to three business days.
APR or Annual Percentage Rate is the annual rate of interest without taking into account the compounding of interest within that year. Alternatively, APY or Annual Percentage Yield does take into account the effects of intra-year compounding.
At this time, CALCOE Federal Credit Union does not accept payments over the phone. There is a variety of other ways that payments can be made:
- Online Banking, simply transfer from one account to another or use EasyPay online bill payer.
- Establish an “Account to Account” relationship that allows transfers of funds to and from another financial institution with the click of a button through CALCOE’s Online Banking.
- Establish an automatic monthly debit from another financial institution to make loan payments or to deposit funds to shares or checking at CALCOE.
- By mail. Payments and deposits usually arrive within one to two business days when sent locally.
- Any depository ATM’s within CALCOE’s vast network of ATM’s is always an option. Check out our ATM Locator.
- Two convenient branches in Yakima and Moxee.
A secured-funds hold is a hold placed on the funds in an account by a merchant for the purchase of goods or services. An example would be a restaurant placing a hold on an account for a meal in the amount of $23.50. The hold would appear on the account after the card is run to be sure the funds are available before a signature is received for the transaction. Those funds would remain on hold until the merchant completes their processing and the funds are actually pulled from the account.
An item that has been deposited to the Credit Union for which the member has not received part or all of the funds. This could be a check that’s been deposited by or on behalf of the member either in person or at an ATM or shared Branch.
For debit and credit card users, set up Visa Purchase Alerts for each card. Free alerts can be sent by email or text for debit and/or credit card transactions:
- Over a specific transaction amount
- Used outside of the United States
- Made online or by phone
Here are several reputable resources to learn more about identity theft:
- Federal Trade Commission – Identity Theft
- USA.gov – Prevent and Report Identity Theft
- Department of Justice – Identity Theft and Fraud
Remember, CALCOE will never call, email, or text you to gain your personal information. We already have your personal information on our system. If you receive a suspicious call, email, or text from a person claiming to be employed by CALCOE, discontinue communication and call CALCOE directly using our regular branch phone numbers.
Loan Questions
No, we’d be happy to take a look at any of your current loans to see if we can get you a better deal. See our AUTO page for more information.
No, unless disclosed with a promotional rate
In the event of a total loss on your vehicle, GAP protects the “gap” between the vehicle’s value and the amount you still owe on the loan. GAP Protection covers the following:
- Remaining loan balance after insurance settlement if the vehicle was totaled or stolen
- Up to $1,000 of your deductible as part of the deficiency balance
- $1,000 credit toward the purchase of a replacement vehicle when financed through CALCOE
- Auto Deductible Reimbursement is an added benefit. If you file a claim, Auto Deductible Reimbursement will pay your deductible up to $500, limit of two per year; available for three years
Mechanical Breakdown Insurance can help ensure that the investment in your vehicle is protected, and reduces the possibility of out-of-pocket expenses when your vehicle suffers an unexpected mechanical failure. Most important of all, Mechanical Breakdown Protection provides peace of mind so you can experience worry-free driving!
Unexpected life events can happen without notice. You can help yourself and your loved ones through death, disability, unemployment and more by being prepared for the financial changes that come along with these difficult situations. Debt Protection will cover your loan payment or possibly forgive your loan depending on the type of event.
LIFT is an acronym for Lower Interest for Timeliness. LIFT may lower a member’s interest rate on a vehicle loan if the member has paid on time for at least 18 months and on approved credit. This is a great program to combine with our Credit Builder Auto Loan.
CALCOE partners with the following dealers to make your next vehicle purchase more convenient. You can apply for your vehicle loan with CALCOE by simply letting the dealer know you choose CALCOE for your financing.
| Dealer Name | Street Address | City | Phone |
|---|---|---|---|
| A.C. Auto Sales | 8 E. Valley Mall Blvd. | Union Gap | 509-248-3800 |
| AR1 Auto Sales | 3501 Main St. | Union Gap | 509-452-1199 |
| Auto Max USA | 1701 S 1st St | Yakima | 509-453-9399 |
| Bill Harris Used Cars Inc. | 608 S 1st St | Selah | 509-697-7006 |
| Bob Hall’s Honda GMC Olds | 1700 E Yakima Ave | Yakima | 509-575-1090 |
| Bob Hall’s Mazda | 1600 E Yakima Ave | Yakima | 509-248-7600 |
| Bob Hall’s Sunfair Chevrolet | 1600 E Yakima Ave | Yakima | 509-248-7600 |
| Brian Harris Used Cars | 622 S 1st St | Selah | 509-697-9119 |
| Carey Motors | 3204 Fruitvale Blvd | Yakima | 509-248-1500 |
| C. Speck Motors | 61 E Allen Rd | Sunnyside | 509-837-5501 |
| Dean Russells Truck Town | 4211 Main St | Union Gap | 509-469-6767 |
| Don’s Auto Sales | 3907 Main St | Union Gap | 509-452-0046 |
| Hahn Motor Company | 1201 S 1st St | Yakima | 509-453-9171 |
| Lee Peterson Motors | 410 S 1st St | Yakima | 509-575-6372 |
| McKenna Motors | 3414 Main St | Union Gap | 509-248-3839 |
| Mid Valley Chrysler Dodge Jeep | 501 Stover Rd | Grandview | 509-882-5005 |
| Owens Cycle Inc | 1707 N 1st St | Yakima | 509-575-1916 |
| Phil’s Auto Sales | 3902 Main St | Union Gap | 509-452-0952 |
| Pingrey Motor Company | 102 W Naches Ave | Selah | 509-697-7288 |
| Steve Hahn’s VW Audi Suzuki | 1730 S 1st St | Yakima | 509-248-4700 |
| Stewart Subaru | 506 Fruitvale Blvd | Yakima | 509-248-5494 |
| Toyota of Yakima | 2230 Longfibre Ave | Yakima | 509-575-4868 |
| Trucks Plus USA Inc | 3500 Main St | Union Gap | 509-225-4045 |
| Valley Ford Nissan | 910 S 1st St | Yakima | 509-453-3125 |
About CALCOE
Check out our LOCATIONS page for details.
Our routing number is 325183725. If you have any questions about electronic transfers involving our routing number, please CONTACT US.
You may join CALCOE if you live, work, worship, or go to school in Yakima County.
