Welcome
Vocality Members!

Merger Complete!

We are thrilled to fully welcome our new members from Vocality Credit Union


Member Service Beginning June 2

You can now begin contacting CFCU directly for all member service!

contact center
For general account information
Phone number
707.546.6000
Hours of availability
Monday-Friday: 8:30am-7:00pm
Saturday: 9am-4pm
Email
info@comfirstcu.org
(Please do not include any personal information such as account numbers)
meet in-person
Connect with our virtual banker
Not feeling talkative? Get instant answers to many of your questions using digital chat. Just click the "Need Help" button in the bottom right of your screen.
It will be visible during the same hours of availability as our Contact Center.

System Conversion Timeline

June 2, 2025: System Conversion Complete

  • Systems Conversion: All VCCU systems and member accounts will be transitioned to CFCU.

  • CFCU Digital Banking: The enhanced CFCU Digital Banking platform, including online Bill Pay, becomes available. Old VCCU online banking will still be accessible but READ-ONLY. Learn more here.

  • Member Service: Please note: The current VCCU call center will no longer be in service on this date. You will begin contacting CFCU directly for all member service and support including phone, online chat, and at all 12 CFCU branches across the North Bay. See our Member Service Section below to learn how to contact us.

Changes to Your Account No.

Read below to learn about what will happen with your old VCCU Account # and your new CFCU Account # that goes into effect on June 1, 2025.

CFCU Mobile App-image of  a smart phone with the cfcu logo on the screen

Local on the Go

Check your balance, transfer funds, deposit money, and manage your cards all from the palm of your hand with online banking

Digital Banking

Read below to learn about what is happening with VCCU Online Banking as it transitions to CFCU Digital Banking. There are important dates and service interruptions you need to be aware of.

Cards and Checks

Read below to learn about what is happening with your VCCU cards and checks.

Checks: Your existing VCCU checks will continue to work as usual. When you reorder new checks, they will reflect your new CFCU account information.

Things to know

  • You can continue using your VCCU debit and credit cardsno new cards are required.

  • Your card numbers, terms, and interest rates will stay the same.

  • Beginning June 10, credit card management will transition to CFCU. We'll send you a new link to manage your card-the online experience will look exactly the same as you're used to.

Managing Your Cards

  • Debit Cards: Your debit cards can now be managed in CFCU Digital Banking, with new features like card locking, reporting a lost/stolen card, and ordering a replacement

  • Credit Cards: You will continue to manage your credit card in the ‘My Credit Card’ section of VCCU Online Banking until June 10. You will still have access to a read-only version of VCCU Online Banking to allow you to: view your credit card balance and transactions, access past statements, and make payments

Payments

You can make a payment by:

  • Going online to the 'My Credit Card' section of VCCU Online Banking

Auto and Personal Loans

Read below to learn about what will happen to your VCCU loan (e.g. auto loan, personal loan) when it transfers to CFCU.

Things to know

  • Your loan terms—including your rate, payment amount, and due date—will not change with the merger.
  • Your loan will still be reported to all three major credit bureaus—the transfer of your loan to  CFCU has no impact to your credit score.
  • You may be eligible for services like Skip-A-Pay, loan due date     changes, or optional add-ons such as Debt Protection and GAP     Insurance—which can be added at any time.

Applying for a New Loan

Learn more about our loans using the Loans tab above or get started with an application right here.

Payments

Action Required: Update your Payment Method If:

  • You make your loan payment using VCCU online banking to pull money from another bank account to pay your VCCU loan. This payment will not process after VCCU systems convert to CFCU on June 1. You will need to make new payment arrangements to ensure your loan payment is received.

Your Current Payment Method Will Continue Without Interruption If:

  • Your loan payment is currently set up to automatically transfer from your VCCU checking or savings account.
  • You set up automatic payments using another financial institution’s online banking (example: Chase, Wells Fargo, etc.) to send payments to your VCCU loan.

Loan Payment Options

The easiest way to make your loan payment is using CFCU Digital Banking.

To see other payment options, visit our Payment Options page.

Mortgage Loans

Read below to learn about what will happen to your VCCU mortgage loan when it transfers to CFCU.

Effective June 1, 2025, the servicing of your mortgage will transfer from Vocality Community Credit Union (VCCU) to Community First Credit Union (CFCU), with servicing operations handled by our trusted partner, Cenlar—a national mortgage servicing company. While Community First will continue to hold your loan, Cenlar will now manage day-to-day servicing tasks like payment processing, statements, and escrow management.

What You Need to Know

  • You will be mailed a few notices informing you of the change in servicer from Vocality to Community First / Cenlar.
  • You can view your mortgage loan online beginning June 9.
  • You will make your payments directly to Cenlar online, by phone, or by mail. Community First branches cannot accept mortgage loan payments. Please use online, phone, or mail options.
  • Automatic Transfers: If you had automatic transfers set up through VCCU, these will be discontinued. After the transition week, you’ll need to reestablish autopay with Cenlar using CFCU Digital Banking beginning June 9.
  • Escrow Accounts: Your existing escrow balance will transfer to Cenlar. No action is required on your part.
  • Homeowners Insurance: You will need to update your insurance policy and notify Cenlar.

FAQs: Please see the detailed FAQs to walk you through everything—from how to update your insurance, to where to find your mortgage statements, to who to call for help.

To-do list

Verify Contact Information

Please ensure we have your most current contact information including mailing address, email, and phone number. We will be sending you important information over the next few months.

Also, some systems will require you to receive validation through these channels. For example, to ensure a smooth transition to CFCU’s enhanced Digital Banking platform, it’s important that we have your current e-mail address on file. You can update your contact information at any time within VCCU online banking, with our member service call center team, or at your local VCCU branch.

Plan Ahead

Plan ahead for conversion weekend closures and disruptions noted on this page.

Download Information

Download prior statements, bill payees and your May 2025 account history in VCCU Online Banking.

Merger Communications

Frequently Asked Questions