Please note: Visa EZ card info is now unavailable.  Automatic payments made through EZ card info will not occur after 10/27/13  You will be able to see balances and make payments using Online Banking starting soon.  If you do not see your Visa Balance, select "Show all accounts" in Online Banking. History and transactions for Visa cards are not yet available. 

Activating your card:

• Activating your card(s): If asked for your zip code, use the full zip code on the mailer for your card. Example: if the zip code is 90032-1234, enter all 9 digits.

• Any additional cardholders will receive cards with their own card numbers. This means each card must be activated separately. If cards are ever lost or stolen, a block can be placed on the lost/stolen card without blocking other owners.

Your new credit card program will include:

• Easier online access through Online Banking:  Starting October 28, you will be able to view your card balance and make payments through Online Banking, no separate login and password needed!
• Same great rates and low fees!

As part of these changes, expect your new card to arrive between October 15 and 22.  Please note:

• Your new card may be activated at any time after you receive it by calling the number on the activation sticker. If asked for your zip code, enter your zip plus four (as printed on the address label)
• Your old card will stop working October 27 approximately midnight.
• Keep your old card until your new card starts working October 28.
• Don't forget to give your new card number to any merchants you pay automatically.
  For example: Gym memberships, utilities, saved payment methods used on sites such as Amazon.com & other merchants
• After 10/27/13 mail payments to 2445 Mariondale Ave, Los Angeles CA 90032. 
  If you accidentally have sent your payment to the old address, we will still recieve it.
  If you use another bank's Bill Payer service to send payments, don't forget to update the payment address. You will also be able to schedule payments in Online Banking after October 28.
• Your debit card program will not change.

EZ Card Info will be unavailable after October 27.  To schedule automatic payments, use one of the following options:

• Log into Online Banking and schedule an automatic transfer from your credit union account to your Visa (available after Oct 28).

Your upcoming payment due dates are:

• October 12
• November 12
• December 25 (may be paid on the 26th due to the Christmas holiday)
• Thereafter the 25th of each month, or next business day if the 25th falls on a non-business day.

If you have any questions about your new card program, due dates, or payment methods, please contact us for assistance.

About your statements:

• Starting in November, you will see your Visa Credit Card activity as part of your regular credit union statement.
• If you are using e-Statements for your Credit Union checking or savings accounts, your Visa statement will also be provided via e-Statements.
• If you would like to change your statement options, log into Online Banking and select Self Service, then e-Statements.  You can select e-Statements or paper statements. If you have forgotten your security code (password) select the forgot security code link at login to retrieve it. Your user ID will be your account number, unless you have changed it.

Please contact us if you need help logging in to Online Banking or changing your statement options.

Your credit union is the place to turn when it comes to getting a mortgage. Whether it's a purchase, refinance, primary residence, second home, or income property (up to 4 units), we'll connect you with a wide variety of loan options with competitive rates and terms to fit your needs.

Click below to obtain current rates, an individualized quote, and to apply online.

Apply Now

Access information on your current mortgage loan or make a mortgage loan payment.

The Road To Homeownership
Buying a first home is exciting, but can feel overwhelming too. Through preparation and understanding the home buying process, you can achieve your dream of homeownership.
Online Course

First mortgage loans are processed by CU Partners under contract with the Credit Union. All products are subject to underwriting requirements and some products are not available in all areas. CU Partners is a lender for Cal State L.A. FCU and provides credit union members with additional loan program options that are not currently available with Cal State L.A. FCU. CU Partners, a division of Stearns Lending, Inc., a California corporation, is located at 4 Hutton Centre Drive, Suite 150, Santa Ana, CA 92707. This is not an offer for extension of credit or a commitment to lend. Stearns Lending, Inc. is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the federal government. Stearns Lending, Inc.'s Corporate Office is located at: 4 Hutton Centre, 10th Floor, Santa Ana, CA 92707. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act and the California Finance Lender Act. NMLS#: 1854 and 911353. Equal Housing Lender. Rates, terms and products subject to change, loan approval subject to income and credit qualification.

Mortgage Solutions Just for You

As your credit union family, we’re here to help and guide you through your unique financial situation, that fits your needs at a competitive rate.

Your credit union is the place to turn when it comes to getting a mortgage. Whether it’s a purchase or refinance, reverse, or debt consolidation, our experienced loan officers are here to assist you from start to finish.

We finance residential properties- Primary Residence, Second Homes, and Investment Properties 1-4 units.

Mortgage Options

First Trust Deeds

• Fixed 30, 20, 15, and 10 year mortgages.
• Adjustable-Rate: 5, 7 and 10 year fixed mortgages that adjust after the initial fixed period.
• 40 year 10/1 Adjustable-Rate Mortgage- This program helps more Members qualify to purchase a home.
• Gov’t Loans- VA purchase loans starting at "0" Down, FHA purchase loans starting at 3.5% down.
• Reverse Mortgages, Reverse Purchases
• Out of the box mortgages- Mortgages for the self-employed, mortgages after a financial event, (BK, Short Sale or Foreclosure)

Second Trust Deeds

• Fixed Rate 2nds and Home Equity Lines of Credit are also available.

Let's get started

Mortgage Loan Officer Sergio Miramontes has been assisting CA homeowners with mortgage loans since 1997. With a focus on serving the Credit Union Community and their Members, he’s been originating loans for first time homebuyers and existing homeowners. Both with perfect credit worthiness and not so perfect, in typical "people helping people", credit union fashion.

First Trust Deed and Fixed Second Trust Deeds

For additional information, current rates, and an immediate call back for a First Trust Deed or a Fixed 2nd call 833-996-1445 or select the button below.

More Info

Home Equity Lines of Credit

Contact us by email This email address is being protected from spambots. You need JavaScript enabled to view it. or call us direct at 323-505-2600

Do you need to access information on your current mortgage loan or make a mortgage loan payment? Use the link below.

Access Your Current Account

The Road To Homeownership

Buying a first home is exciting, but can feel overwhelming too. Through preparation and understanding the home buying process, you can achieve your dream of homeownership.

Take Our Online Course

First mortgage loans originated by Right Choice Mortgage under contract with Cal State L.A. FCU. All programs are subject to underwriting requirements and some programs are not available in all areas. Right Choice Mortgage is a lender for Cal State L.A. FCU and provides credit union members with additional loan program options that are not currently available through the Credit Union. This is not an offer for extension of credit or a commitment to lend. Right Choice Mortgage is located at: 29829 Santa Margarita Pkwy. Ste. 100 Rancho Santa Margarita, CA 92688. Licensed by the Department of Real Estate #01943736, NMLS #: 1132583. Equal Housing Lender. Rates, terms and programs subject to change, loan approval subject to income and credit qualification.

An Early Payday Loan is a payday loan alternative designed for members who need up to $500 cash due to an unexpected emergency. Early Payday Loans do not require a minimum credit score, but are subject to review and approval.

Early Payday Loan applications are not available online. Please come into the Credit Union during business hours to apply. Please bring in your:

• Government issued ID and a secondary ID
• Two (2) most recent paystub

Early Payday Loan Requirements:

• You must be a Cal State L.A. Federal Credit Union member, 18 or over
• You must be a Cal State L.A. Federal Credit Union member for 31 days or more to qualify for up to $250, and 61 days or more to qualify for up to $500
• Your membership must be in good standing
• You may not have caused a financial loss to the Credit Union
• You may not have a past due or charged off loan(s) with the Credit Union
• Your Credit Union account may not have a negative balance at the time of your application
• You will be required to show proof of identification. (Government issued photo ID, and a secondary form of ID such as a student ID or utility bill.)
• You must fill out the loan application in person.
• You must have an open checking account with Cal State L.A. Federal Credit Union.
• You must have direct deposit or payroll deduction with Cal State L.A. Federal Credit Union.
• Your two (2) most recent check stubs are required, dated within 30 days or less. You must be currently employed (W-2 employee).
• A Teletrack report will be reviewed at the time of application. You must have no adverse history or unpaid loans with other payday lenders.
• If you have an Early Payday loan with the credit union, it must be paid before you can open a new loan.
• You may not exceed three (3) Early Payday loans in a (6) six-month period.

There is a $20 application fee for Early Payday. 

This fee is non-refundable. Please review the requirements above to ensure you will qualify before you apply. Payments may be scheduled according to your payroll schedule.  If you are paid weekly, bi-weekly or bi-monthly, we will schedule your payments to coincide with your payroll dates. There is no pre-payment penalty.

*APR = Annual Percentage rate. A 2% rate discount is available on Early Payday Loans with Direct Deposit or Payroll Deduction to your CSLA-FCU account. Please note that late or missed payments will cause the total amount you will owe to increase.  Rates, terms, fees and programs subject to change, effective October 24, 2023.

Early Payday FAQs

How often should I use this service?

Whenever an immediate or urgent need arises, Cal State L.A. Federal Credit Union is here to help. It is important to remember that an Early Payday advance is a short-term answer to an immediate cash need. Early Payday is not intended for repeated use in supporting an on-going budget situation from payday to payday. Repeated use or reliance on Early Payday can create serious financial difficulties. If you need help with credit, budgeting or debt management, please contact Credit Union so we may be of assistance. The Credit Union offers free, impartial and confidential counseling through BALANCE, toll free at 888-456-2227.

Can I get an Early Payday advance with bad credit?

Yes. We will run a Teletrack report, which is an information sharing service used by payday loan agencies, to see that you have no unpaid cash advances. Approval is subject to underwriting review.

How soon will I know if I am approved?

Upon completion of the application, the staff member assisting you will process your application while you wait. If approved, funds are deposited into your Cal State L.A. Federal Credit Union account the same day.

How many open Early Payday advances can I have with the Credit Union?

Just one. Each Early Payday Advance will need to be paid in full before you may reapply. You may not exceed 3 Early Payday loans in any six month period.

What if I only have a savings account?

You must have an open checking account with Cal State L.A. Federal Credit Union. Opening a Cal State L.A. Federal Credit Union checking account and setting up direct deposit to the account will save you time and money.

The credit union also offers other products which may be suitable and cost less depending on your credit or income situation, such as lines of credit. When you apply, a credit union rep will discuss your options with you.