Keep your defenses up and know what to look for.
We help you guard against theft and fraud that damages your finances.
Scheduled Maintenance Online Banking, Mobile Banking, and Telephone Teller services may be temporarily unavailable starting at 10:00 p.m. on Saturday, December 14th until 4:00 a.m. on Sunday, December 15th for scheduled system maintenance.
We help you guard against theft and fraud that damages your finances.
Identity theft (or identity fraud) involves using another person's name and information to do such things as obtain credit, steal money from the victim's existing accounts, and apply for loans. Although no one is completely immune, you can take action to avoid having your identity stolen. The following are a few suggestions on how to best protect your name and your good credit.
Tax time is open season for identity thieves. Beware of the following:
The IRS will never call about unpaid taxes or penalties. The IRS also generally does not initiate contact with a taxpayer by email to request personal or financial information, including any type of electronic communication, such as text messages and social media channels.
To help educate consumers, protect themselves and take action if they believe they have been victimized, the Federal Trade Commission, IRS and NCUA all offer resources:
You are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting agencies – Equifax, Experian and TransUnion.
If you haven’t ordered one in the past year, visit Annual Credit Report, the official site authorized by the three credit agencies to help consumers obtain their free credit report. To contact each of the agencies, click on the link below or call their toll-free number.
If you find yourself a victim of identity theft, immediately take the following actions:
For more information about identity theft, visit the following websites:
VCCU is a full-service, Southern California credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark. If you live, work or attend school in Ventura or Santa Barbara Counties, you are eligible to join!