We are excited to announce that Vocality Community Credit Union has official merged into Community First Credit Union as of April 1, 2025. We are now preparing for Systems Conversion, which will take place on June 1, 2025.
Some types of payments and transfers will not process after certain dates. Specifics will be posted here shortly
Yes. VCCU online banking will be changing to CFCU Digital Banking.This will happen in stages. VCCU online banking will convert to ‘read-only’ on May 26. This means bill pay, transfers and other features will no longer be available and you will only be able to view past balances, transactions and statements. On June 2, you may register for CFCU Digital Banking.
You will set up a new username and password when you register for CFCU Digital Banking.
No. You will need to set up your payees in the new CFCU Bill Pay when it becomes available on June 2. Be sure to take note of your payee account numbers, and payment details beforehand.
No. You will need to set up new transfers in CFCU Digital Banking when it becomes available on June 2. Be sure to take note of your current transfer details beforehand.
On June 2, simply visit the CFCU website or download the CFCU mobile app and click '1st Time User' to get started
You will need your new CFCU account #, SSN, and the email and phone # we have on file for you. Be sure your email and phone # are current before you register for CFCU Digital Banking.
As of June 1, our Contact Center hours will be extended to 8:30a - 7p, Mon - Fri and 9a - 4p, Sat.
This branch will operate as it always has. Only the name will be changed to CFCU.
This branch will operate as it always has. Only the name will be changed to CFCU.
This branch will be relocating to 530 E. Perkins St. in Ukiah, with a few exceptions. The 2 CFCU ATMs will remain and will be available for use. Safety Deposit Boxes will also remain and can be accessed by appointment only.
The State St branch last day of official business will be Friday, May 30. Beginning Monday, June 2 please visit the new CFCU branch on Perkins St.!
Both branches have hours of 9a - 5p, Mon - Fri. Closed on Sat and Sun.
Yes! The ATMs will remain operational.
All safety deposit boxes will remain at the State St branch and can be accessed by appointment only. Appointments can be made at the new Ukiah Perkins St branch or by calling 707-546-6000, Option 0.
No! As part of Vocality’s merger with Community First Credit Union, just the servicing of your mortgage is transitioning to Community First’s servicing partner, called Cenlar. They will be handling the day-to-day management of your loan, such as payment processing and customer service. Rest assured, the ownership and terms of your mortgage remain unchanged.
Cenlar is a leading, nationwide mortgage loan servicing company. Community First Credit Union has contracted Cenlar to manage the servicing of our first mortgage loans, including payment processing, escrow management, and customer support.
While Community First originates and funds mortgage loans, we partner with Cenlar to handle the day-to-day servicing. Mortgage servicing is highly regulated and operationally complex—it requires specialized systems, compliance expertise, and dedicated infrastructure. By working with Cenlar, we ensure that your loan is managed accurately, securely, and in full alignment with federal requirements.
We are required to mail you a Notice of Servicing Transfer within 15 business days of your transfer date, which is scheduled for June 1. This notice simply informs you of the change in servicer from Vocality to Community First / Cenlar. In addition, Cenlar will send you a Welcome Letter with more information about your mortgage loan transfer.
Yes. We have a dedicated team ready to help. You can contact us by:
- Email: loanservicing@comfirstcu.org
- Phone: 707.546.6000. Ext 8130
- In-branch: Branch staff may not have details on your loan, but can connect you with our support team.
Yes, but not immediately on June 1. There will be a short delay (up to one week) as Cenlar transfers your loan to their system. They will also have limited access to your loan details by phone during this time. Once your loan transitions, it will become viewable online.
After this transition week, log in to CFCU Digital Banking to view your mortgage loan in the Cenlar Mortgage area. Register for CFCU Digital Banking at the CFCU website at comfirstcu.org or just download the CFCU mobile app.
Rest assured, your loan is protected during this transition:
-For 60 days following the transfer, no late fees will be charged on payments made to either servicer.
-Payments made during this period will not be reported as late to credit bureaus.
No. Community First branches cannot accept mortgage loan payments. Please use online, phone, or mail options.
No. Starting June 1, only the full, contractual monthly mortgage payment will be accepted.
They will be discontinued. After the transition week, you’ll need to reestablish your auto payment with Cenlar using CFCU Digital Banking.
You will make your payments directly to Cenlar online, by phone, or by mail.
After the transition week, you can set up autopay within CFCU Digital Banking in the Cenlar Mortgage area.
Your escrow account will transfer to Cenlar automatically. No action is required.
Yes. You will need to update your insurance policy with your insurance company. Ensure that your insurance agent has updated the ”mortgagee” clause to:
Community First Credit Union, its Successors and/orAssigns
c/o Central Loan Administration & Reporting
P.O. Box 202028
Florence, SC 29502
Yes. You will need to provide Cenlar a copy of your updated homeowner’s policy. After your loan is viewable in CFCU Digital Banking, you can notify Cenlar by:
Please notify Cenlar of any insurance changes at least 45 days before your current policy renewal date using the same contact information above.
If switching insurance providers before your current policy expires, please obtain a refund from the prior insurer and deposit it back into your escrow account to avoid a shortage. You can send refunds and copies of the new policy to the same contact information above. (Be sure to include your loan number on all documents.)
Yes. You will initially receive monthly mortgage statements from Cenlar via mail. After the transition week, you can opt into e-statements by accessing your mortgage account through CFCU Digital Banking.
After the transition week, you can view your mortgage loan statements by logging into CFCU Digital Banking.
Community First is here to support you during this transition. You can reach us at:
Yes. During this transitional period, your loan is protected under federal mortgage servicing rules:
This protection is in place to ensure a smooth and penalty-free transition of your loan to Cenlar.
If you areexperiencing financial hardship or anticipate difficulty making your mortgagepayments, Cenlar has a dedicated team of mortgage professionals who can assistyou with available solutions. Please contact their Loss Mitigation Team:
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