.png)
New for 2025:
Beginning tax year 2025, the IRS will only issue tax refunds electronically. No paper checks will be issued.
Prior Vocality Community Credit Union accounts as of June 1, 2025, have a Community First Credit Union account. As such tax reporting information will be issued from or on behalf of Community First Credit Union.
Vehicle interest paid for 2025 is located on your December 2025 account statement.Please consult your tax advisor to determine deductibility.
The routing number is: 321177599. Our routing number is conveniently located at the bottom of each page of our website and online within Digital Banking.
After locating the routing number, you’ll need your checking account MICR number. All information regarding establishing direct deposit can be found within the “Accounts” tab, Direct Deposit Information menu option. After clicking on the “Direct Deposit Information,” you will find the MICR information for all accounts that you can establish direct deposit for.
1098 tax forms will be generated for all accounts with a mortgage loan on which interest was paid during the year, such as a first mortgage, fixed rate second mortgage, home equity line of credit, lot loan, and manufactured home loans for amounts $600 or more. First mortgage loans serviced by our partner, Cenlar, will be issued to you from Cenlar.
Form 1099-INT will be generated if your combined interest earnings in 2025 is of $10.00 or more.
These forms show information from your retirement or HSA accounts (e.g., Traditional IRAs, SEP IRAs, Roth IRAs and Beneficiary IRAs). Anyone who receives a distribution over $10 will receive a 1099-R or 1099-SA.
1098 tax forms will not be generated if you paid less than $600 of interest on your mortgage loan.
The 1098 tax form will be mailed to you and is available by logging into CFCU's Digital Banking for both CFCU serviced loans and for mortgage loans serviced by Cenlar. If your loan is serviced by Cenlar, CFCU now provides you access to your 1098 tax form from inside Digital Banking. After logging in, select Transfer & Pay from the menu options, then select Mortgage Payment (Cenlar).
You can locate your YTD interest paid under your Mortgage Loan under the "Account Details" tab inside CFCU's Digital Banking. For First Mortgage loans, serviced by Cenlar, they can be located by logging into CFCU Digital Banking, navigating to "Mortgage Payment (Cenlar)" inside the Transfer & Pay menu option.
Per the IRS instructions for 1098 tax forms, section Box 2: Outstanding Mortgage Principal, the amount of the outstanding principal on the mortgage is as of January 1, of the current year. Example, if you open your Home Equity Line Of Credit on December 10, 2024, and there was no outstanding mortgage principal as of January 01, 2025, Box 2 amount will be zero.
Your social security number(s) will be masked on all tax forms, including electronic copies. This is for the protection of your confidential financial information.
Per the IRS instructions for 1098 tax forms, section Box 2: Outstanding Mortgage Principal, the amount of the outstanding principal on the mortgage is as of January 1, of the current year. Example, if you open your Home Equity Line Of Credit on December 10, 2024, and there was no outstanding mortgage principal as of January 01, 2025, Box 2 will be zero.
Please contact our Loan Servicing Department at 707-546-6000 ext. 8130 or via email LoanServicing@comfirstcu.org.
You can access tax statements issued for your accounts including the current tax year. To access your available tax statements in Digital Banking, click Tools, e-Docs & Notifications, Statements & Notifications, Statements and Tax Forms. When you expand on the Statements and Tax Forms folder, the Tax Forms will appear. Click on the desired year and click on the PDF document link. If you are a prior Vocality Community Credit Union member and need prior year tax statements, please contact CFCU at 707-546-6000 M-F, 8:30am-7:00pm Saturday 9am-4pm, or send a secure message through your Digital Banking login by navigating to Tools>Message Center>Compose.
Form 1099-INT reports combined interest on the account number you are the primary member of.
CFCU’s mortgage servicing partner, Cenlar, will be issuing the 1099-INT on all escrow accounts that were formerly open at Vocality Community Credit Union.
Log in to your CFCU account via your computer, tablet, or Mobile App to view your account history. You can track your refund using the IRS’s Where’s My Refund? tool. If you have not received an expected direct deposit of your refund or there was an error in the direct deposit amount, contact the Internal Revenue Service directly.
CFCU will make your tax refund direct deposit available on the same business day we receive the direct deposit from the Internal Revenue Service (IRS).
The IRS does not initiate contact with taxpayers by email, text messages, or social media channels to request or to confirm personal information, PIN numbers, passwords, or similar access information for banks or other financial accounts. You can report phishing (unsolicited scam emails) directly to the IRS. Remember, the IRS will only contact you by mail for any problems with your tax filing or tax return.
You are about to leave our site. Do you want to continue?
