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:

  1. Live, work or business and organizations within one of our 28 qualified counties in Oregon.
  2. Live, work, worship, go to school or organizations within one of our Washington qualified communities
  3. Be an immediate family member of an OCCU member or someone eligible for membership.
  4. Be a student of the University of Oregon or a member of the UO Alumni Association.
  5. Be a Bi-Mart store member or a Bi-Mart Federal Credit Union member as of July 1, 2014.
  6. Be employed by the state of Oregon.
  7. 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:

    1. 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.
    2. 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.
    3. In branch: Your info can also be updated by visiting your nearest branch.
    4. Phone: Call us at 800.365.1111.

    +   Do you provide notary services?  

    Yes! All OCCU branch locations offer free notary services for members. Please contact us to set up an appointment.

    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’s OCCU’s state tax ID?  

    OCCU’s state tax ID is 0803478-0.

    +   What’s OCCU’s federal tax ID?  

    OCCU’s federal tax ID is 90-0492535.

    Accounts

     

    +   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:

    +   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.

    Credit and debit cards

     

    +   How do I manage my credit card payments?  

    Soon you'll be able to manage your credit card in MyOCCU Online & Mobile from the comfort of your home or on the go from your mobile device. Not enrolled? No worries! We have an enrollment guide that can help you setup your account.

    +   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 debit or credit 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, these are the steps you’ll need to take:

    1. Contact our team immediately to inform us of what happened to your card. You can do this via phone, secure message or by visiting a branch.

      Please note the phone number you use depends on the type of card you need to replace:
      • Debit cardholders in the U.S. call 833.933.1681.
      • Debit cardholders internationally call 812.647.9794.
      • Credit cardholders call 855.755.6423.
      • Familiarize yourself with your recent charges; it will help us identify if there has been unauthorized activity.
      • Once we assess the situation, our team will send a new card to you. You can expect it to arrive in 7–10 business days.

      Taking quick action when you card is lost or stolen is vital to your financial security. Learn more about protecting your financial security.

      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.
      • Visit a branch.
      • 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: