FAQs - Frequently Asked Questions

Find answers to our most frequently asked questions below. If you don’t see what you’re looking for, send us a message using the form at the bottom of the page or call us at 805-644-4657.

  • Students, faculty, and staff of schools, trade schools, career and technical colleges, beauty and barber schools, colleges, and universities in Ventura County, plus their immediate families, Select Employee Groups, and supporters of local education like PTA and PTO donors—are all welcome to join County Schools Federal Credit Union.

    Not sure you can join? Just ask us, we can find a way!

    Click here to learn more.

  • You can reach the credit union at 805-644-4657. Automated self-service options are available 24/7.

    To speak with a Member Service Representative, our phone hours are:

    Monday–Thursday: 9:30 AM – 5:30 PM
    Friday: 9:30 AM – 6:00 PM
    Closed Saturdays, Sundays, and holidays

  • Our automated phone system, which can be reached by calling 805-644-4657, features a streamlined menu with quicker access to the most commonly used services:

    Call Menu Options

    • Press 1 – Automated account assistance (balances, transfers, and more)

    • Press 2 – ATM/Debit Card assistance

    • Press 3 – Credit Card assistance

    • Press 4 – Loan application & status

    • Press 5 – Home loan assistance

    • Press 6 – Credit & financial counseling with GreenPath Financial Wellness

    • Press 7 – ATM & branch locations and hours

    • Press 8 – Speak to a Member Service Representative

    • Press 9 – Enter an extension

  • County Schools routing number is 322283518

  • We understand that financial hardships can be a difficult and challenging experience for anyone. Whether it is due to unexpected expenses, job loss, or other circumstances, struggling to make payments can be stressful.

    It is important to remember that you are not alone, and we are available to provide support and resources.

    If you need assistance, call us at 805-644-4657 and select option 8 to speak with a Member Service Representative.

  • Hours of operation for both the Ventura and Oxnard branches are:

    Monday - Thursday 9:30 AM - 5:30 PM
    Friday 9:30 AM - 6:00 PM
    Closed Saturdays, Sundays & Holidays

  • NCUA stands for the National Credit Union Administration, the federal agency that regulates federally chartered credit unions like County Schools. The NCUA also administers the National Credit Union Share Insurance Fund (NCUSIF), which federally insures eligible member share accounts.

    NCUSIF coverage is backed by the full faith and credit of the U.S. government and provides protection similar to FDIC insurance at banks.

    When you see “Federally Insured by NCUA,” you can feel confident knowing your eligible deposits are federally insured.

  • Deposits at federally insured credit unions, including County Schools, are protected by NCUA share insurance. Eligible accounts are generally insured up to $250,000 per depositor, with the potential for additional coverage depending on how accounts are structured.

    Covered account types include:

    • Savings accounts

    • Checking accounts

    • Share certificates

  • Understanding how your money is protected can give you greater confidence in your savings. At federally insured credit unions, eligible share accounts are generally insured up to $250,000 per depositor. Depending on how your accounts are structured—including joint ownership, beneficiaries, retirement accounts, and certain trusts—you may qualify for more than $250,000 in total coverage.

    The National Credit Union Administration (NCUA) offers a helpful Share Insurance Estimator to help you determine which of your accounts are insured and how much coverage you may have.

    To understand your coverage, it’s important to know how your accounts are organized by ownership. Common ownership categories include Individual, Joint, Retirement, and Trust accounts.

  • NMLS stands for Nationwide Multistate Licensing System & Registry. It provides a unique ID number for mortgage lenders and loan originators, making it easier for consumers to identify and verify who they’re working with. You may see an NMLS ID on mortgage advertisements, websites, email signatures, disclosures, and loan documents.

  • APY stands for Annual Percentage Yield. It shows how much you can earn on your savings over one year, including the effect of compounding interest.

    When comparing savings accounts, share certificates, or other deposit products, APY helps you understand the potential return on your money.

  • Item APR stands for Annual Percentage Rate. It represents the yearly cost of borrowing money, including certain fees and interest.

    You’ll typically see APR used for loans and credit cards. When comparing borrowing options, APR can help you understand the overall cost of a loan, not just the interest rate description.

  • GAP Protection (Guaranteed Asset Protection) can help cover the difference between what you owe on an auto loan and what your vehicle is worth if it’s stolen or declared a total loss.

    For example, if your insurance pays $20,000 for a totaled vehicle but you still owe $23,000 on your loan, GAP Protection may help cover the $3,000 difference, subject to the terms and coverage limits of the agreement.

    GAP Protection can provide added financial protection if you owe more on your vehicle than it’s worth.

  • MMP stands for Mechanical Maintenance Protection. It is an optional vehicle protection plan that can help cover the cost of certain mechanical repairs after your manufacturer’s warranty expires, depending on the plan and coverage selected.

    It can help protect you from unexpected repair expenses and make vehicle ownership costs more predictable.