Frequently Asked Questions(FAQs)
As a member of OCCU, you have access to a wide variety of products and services to fit your life and help you thrive. Checking and savings accounts for personal or business use. Auto loans, home loans, personal loans. Investment services. Online banking. Notary services….
We could go on.
But with so many benefits and services come just as many questions. Check out our FAQ and find the answers you’re looking for. Can’t find the answer you’re looking for? Send us a secure message through MyOCCU Online & Mobile or give us a call. We’re always happy to help.
On this page:
Membership
What are OCCU’s membership qualifications?
Becoming an OCCU member is easy. All you have to do is meet one of the following criteria:
Live, work or business and organizations within one of our 28 qualified counties in Oregon.
Live, work, worship, go to school or organizations anywhere in the state of Washington and qualify for membership.
Be an immediate family member of an OCCU member or someone eligible for membership.
Be a student of the University of Oregon or a member of the UO Alumni Association.
Be a Bi-Mart store member or a Bi-Mart Federal Credit Union member as of July 1, 2014.
Be employed by the state of Oregon.
Be an employee or official of OCCU, its subsidiaries or contractors.
What’s OCCU’s routing number?
OCCU’s routing number is 323274461.
Where do I find my OCCU member ID number?
When you become a member of OCCU, you receive a welcome packet that includes important information about your membership, including your member ID number. And your monthly statements include your member ID number in the top right corner.
If you do not have access to your welcome packet or a monthly statement, give us a call and we can help.
MyOCCU Online & Mobile users can find their member number in Settings. (If you’re not enrolled in digital banking, you can do so here.)
How do I update my contact information?
There are four simple ways to update your contact information:
MyOCCU Online account: When you log in to your MyOCCU Online account, click your name in the upper right corner and select “Settings” to see the option to update your contact information.
MyOCCU Online & Mobile app: On the MyOCCU Online & Mobile app, select “Others” from the bar at the bottom of the screen, then select “Settings.” From there, select “Contact” from the list, and update your account as needed.
In branch: Your info can also be updated by visiting your nearest branch.
Phone: Call us at 800.365.1111.
Do you provide notary services?
Yes! All OCCU branch locations offer free notary services for members. Appointments are no longer needed.
Please note, we cannot offer notary services for the following excluded documents at this time:
Documents presented by a nonmember.
Wills or documents associated with a will.
I-9 Form for employment verification.
Documents that require a witness instead of a notary.
Documents that are certified and/or considered public records (e.g. marriage licenses, divorce decrees, and birth or death certificates, etc.).
Documents written in a language in which the notary is not fluent.
If you have any questions about whether we can notarize your documents, please give us call at 800.365.1111.
What’s OCCU’s mailing address?
OCCU
P.O. Box 77002
Springfield, OR 97475-0146
OCCU’s shipping address is:
OCCU
2880 Chad Drive
Eugene, OR 97408
If you’re looking for a specific branch address, you can find it here.
What is OCCU's state tax ID?
OCCU’s state tax ID is 0803478-0.
What is OCCU's federal tax ID?
OCCU’s federal tax ID is 93-0492535.
Accounts
Are OCCU deposits insured?
Yes! All OCCU deposit accounts are insured by the National Credit Union Administration (NCUA).
The NCUA is an independent federal agency that insures credit union deposits, protects credit union members and charters, and regulates federal credit unions.
It does this through the NCUA’s Share Insurance Fund, which insures individual accounts up to $250,000 and separately insures a member’s combined interest in all joint accounts up to $250,000.
This is similar to the Federal Deposit Insurance Corporation (FDIC), which protects depositors at FDIC-insured banks. While banks and credit unions are insured by different agencies, the two organizations offer the same protections for their respective financial institutions. Like the FDIC, NCUA’s Share Insurance Fund is backed by the full faith and credit of the U.S. Government.
You can learn more about the NCUA’s Share Insurance Fund here.
How do I connect with someone to ask questions or get help with my membership and accounts?
We’re here to help!
We’re always happy to see you.
How do I order checks for my checking account?
You can order checks online via your MyOCCU Online & Mobile account or by visiting OrderMyChecks.com. All you need is your 10-digit account number, which you can find in MyOCCU Online or the MyOCCU mobile app, and OCCU’s routing number (323274461).
You can also place an order for checks by:
Calling 800.247.6148.
Visiting any OCCU branch.
I have fraudulent charges on my account. Who should I contact?
If you find unfamiliar charges on one of your accounts, contact us as soon as possible so we can help. Call 800.365.1111 or visit any branch.
If you suspect a greater level of identity theft, here are some steps you can take to protect yourself.
Why am I required to have a primary savings account? Why is it important?
OCCU is a member-owned, not-for-profit financial cooperative.
Unlike banks, which are for-profit institutions that pay their profits to outside shareholders in the form of stock dividends, credit unions reinvest all their profits in ways that exclusively benefit the organization and its members. This could be in the form of eliminated fees, higher savings rates or lower loan rates.
When you create a checking or savings account, you automatically become a member — and part owner — of the credit union. Your account — your initial $5 deposit — is your buy-in. And as long as you have an account, you’re an OCCU member and can access all the benefits that come with the membership.
How can I set up an automatic payment (ACH)?
We’re happy to help you set up an automatic payment. There are three ways you can do this:
How do I close an OCCU account?
You can request to close your OCCU account by contacting our team:
- Call us at 800.365.1111
- Visit your local OCCU branch.
- Send us a secure message through MyOCCU Online & Mobile.
Please note: Different accounts may have additional steps to close the account. Contact our team to help.
Credit and debit cards
How do I manage my credit card payments?
Manage your credit card in MyOCCU Online & Mobile from the comfort of your home or from your mobile device. Make payments from an OCCU account or an external account. Learn how to make payments with our step-by-step payments guide.
When should I expect to receive my debit or credit card in the mail?
Typically, you can expect your OCCU credit or debit card in 7–10 business days.
I lost my debit or credit card; what should I do?
Whether your card was stolen or you simply can’t find it, a missing card requires immediate action to ensure your personal information and finances are secure. If you ever find yourself in the situation where your card is lost or stolen, please take these steps:
Call one of these numbers to immediately cancel your stolen card. Please note the phone number you call depends on the type of card you need to cancel and replace.
- Debit cardholders in the U.S. call 866.820.0254.
- Debit cardholders internationally call 727.299.2449.
- Credit cardholders call 855.755.6423.
After canceling your lost/stolen card, contact our team immediately to request a new card. You can do this via phone, secure message in MyOCCU Online & Mobile or by visiting a branch. If you visit us in-branch, we can print a new card for you immediately. Otherwise, your new card will be delivered in 7-10 business days.
Familiarize yourself with your recent charges; it will help us identify if there has been unauthorized activity.
After reviewing for any suspicious activity, our team will send a new card to you.
How can I get a different card design? (OCCU, Duck or Beaver cards)
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To request a new card design, contact our team via secure message in MyOCCU Online & Mobile, by phone or by visiting a branch.
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Important note: Selecting a new card design will change your card number! After receiving a new card from OCCU, be sure to update your card info in any digital wallets, online stores or subscription services.
How can I access/review my credit card rewards?
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Log in to MyOCCU Online & Mobile.
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Hover over “Manage Cards” at the top of your dashboard.
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Select “Card Management” and hover over your credit card. Select the “Manage Card” button.
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Scroll down to view.
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Total rewards earned.
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Redeemable points.
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Pending points.
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Total points redeemed.
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Click “Redeem Rewards” to be taken to the rewards redemption website.
How can I set travel notices for my cards?
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Log in to MyOCCU Online & Mobile.
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Hover over “Manage Cards” at the top of your dashboard.
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Select “Card Management” and hover over your credit card. Select the “Manage Card” button.
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Scroll down and select “Travel Notices.”
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Enter the start date, end date, if the destination is international or domestic, and the travel destination.
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Click Save.
Loans
How do I pay my loan?
There are many ways to make a payment on your OCCU loans:
Transfer your payment amount from an OCCU account.
Pay with a checking account online.
Pay with a debit card online.
Pay over the phone at 800.365.1111.
Pay by mail.
Each option has its benefits, and some have limitations (like processing time), but with so many options, you can find one that fits your needs. Learn more here.
Where can I find State National Insurance information?
State National Insurance information may be found at:
https://www.insurtrak.com
Phone: 877.621.1097 (prompts 1-1-3-0)
Fax: 877.259.6272
Email: myOCCU@myloaninsurance.com
Mailing address:
PO Box 25601
Fort Worth, TX 76124
What’s the Oregon DMV code?
The Oregon DMV code is 6049242.
Is Oregon an electronic title state?
No, Oregon does not have an Electronic Lien and Title (ELT) system in place and requires a paper certificate of title.
What’s the Washington DMV code?
The Washington DMV code is OAC
Is Washington an electronic title state?
Yes, Washington has an Electronic Lien and Title (ELT) system in place.
What’s the California DMV code?
The California DMV code is CLM
Is California an electronic title state?
Yes, California has an Electronic Lien and Title (ELT) system in place.
How do I find a payoff amount for my home equity line of credit (HELOC)?
You can access your payoff amount online or by calling 800.365.1111.
If you’re selling or refinancing your home, your HELOC payoff is a part of the final sale. Your title company should fax the request to 541.681.6111 or email HPayoff@myoccu.org. To pay off the account completely, there will be a form for you to sign, and a $128 fee, which is what the county charges to remove the lien.
Your payoff request should include the following information:
Member’s full name.
Account number of the loan they want to pay.
Address of the collateral property.
Date to which they would like the payoff to be calculated.
Authorization to release information signed by member.
Fax number or email to which the completed payoff may be sent.
Failure to include all the information above may result in us being unable to complete the payoff request.
The turnaround time for pay-off requests made via fax is three days (though it typically takes less than that). Please keep in mind that if you make any advances within that time, you will be responsible for that balance.
You can also choose to pay off the balance of your HELOC independently, without selling your home. Contact HPayoff@myoccu.org to complete the process.
How do I get a payoff amount on my mortgage?
If your mortgage is funded through OCCU, you can access your payoff amount online, or call 800.365.1111. If you’re paying off your loan following the sale of the property, your title company can fax 541.681.6111 or email HPayoff@myoccu.org to complete the process.
Your payoff request should include the following information:
Member’s full name.
Account number of the loan they want to pay.
Address of the collateral property.
Date to which they would like the payoff to be calculated.
Authorization to release information signed by member.
Fax number or email to which the completed payoff may be sent.
Failure to include all the information above may result in us being unable to complete the payoff request.
The turnaround time for pay-off requests made via fax is three days (though it typically takes less than that). Please keep in mind that if you make any advances within that time, you will be responsible for that balance.
You can also choose to pay off the balance of your OCCU mortgage independently, without selling your home. Contact HPayoff@myoccu.org to complete the process.
If your loan is through Dovenmuehle Mortgage Inc. (DMI), you can call 855.300.7065 for your payoff amount. If you’re paying off your loan following the sale of the property, your title company should fax 847.574.7512 to complete the process.
All payoffs have a $128 closing fee, which is what the county charges to remove the lien.
Why did I get a $250 fee on my vehicle loan?
If you discovered a $250 fee on your recent vehicle loan, it's likely because you did not complete signing up for eStatements and/or automatic payments.
You can confirm that you signed up for an automatic payment by reviewing your:
Signed paperwork from the dealership.
OCCU membership packet sent to you in the mail.
Emails sent to you from our team.
To set up automatic payments and opt in to eStatements:
Can I change my payment due date?
You can change your due date on your installment loan to any date within the same month. There are three ways you can do this:
