CO-OP Shared Branch


Grossmont Schools Federal Credit Union

Frequently Asked Questions

General Questions

CU@U - Internet Branch

Shared Branching (CU Service Center)

Home Equity

Bill Payment

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How do I become a member of Grossmont Schools Federal Credit Union?
Membership at Grossmont Schools Federal Credit Union is open to employees of all who work in the East County educational community located within the boundaries of the Grossmont Union High School District. This includes both public and private educational institutions. Spouses, children, and immediate family of potential members who are currently working or retired from these schools are also eligible to become members of the credit union.

Primary school districts include:

  • Grossmont Union High School District

  •  Grossmont - Cuyamaca Community College District

  • Cajon Valley Union School District

  •  La Mesa - Spring Valley School District

  •  Lakeside Union School District

  •  Lemon Grove School District

  •  Santee School District

  •  Alpine School District

  •  Jamul Dulzura School District

  •  Dehesa School District

Since the credit union's inception in 1956 as an "employee benefit" of the Grossmont Union High School District (GUHSD), and its expansion five years later to include the employees of the Grossmont-Cuyamaca Community College District (GCCCD), the Board of Directors, volunteers and management team continue to focus on our commitment of providing the highest level of financial products and services designed to meet the needs of the educational community and their family members, our common bond.

To become a member, simply stop by the credit union or call us! A deposit of $5.00(one share) is all it takes to open your share account.

Will all of my checks be available for viewing online?
Prior to October 11, 2004, if you wrote a check to a 3 rd party that was presented for payment at our office by the payee, that check would not be available for viewing through CU@U - Internet Branch. If you need a copy of a check that is not available through CU@U - Internet Branch, please give us a call at 619-588-1515 and request a copy. In addition, all checks that are turned into electronic checks for clearing by a merchant will not be available for viewing as some merchants do not process the paper check. (For example: if you present a check to a merchant and they scan the check and hand it back to you they have converted it to an electronic check). All other checks will be available for viewing through CU@U - Internet Branch.

At this time, Home Equity Line of Credit Check copies can only be obtained by contacting us directly at 619-588-1515.

When a check cleared my checking account creating insufficient funds, a transfer was made from my overdraft loan instead of from savings. Why? According to Federal Regulation D, you are limited to 6 automatic transfers each month from a savings accounts. After 6 transfers from savings in one month, we are restricted from transferring from your savings account, and therefore look to your overdraft protection loan to cover the check(s).

My Visa Credit Card has been lost or stolen - what do I do?
Immediately call 1-800-449-7728 to report your card lost or stolen.

My VISA Debit (check) Card has been lost or stolen what do I do?
Immediately call 1-800-449-7728 to report your card lost or stolen. 

I've misplaced the phone number to call and activate my new card(s), what should I do?
To activate either Credit or Debit card(s), call 1-800-527-7728.

What is Grossmont Schools FCU routing and transit number?

Should I use GSFCU's routing and transit number to send a wire to my account at the credit union?
No. To send a wire from another institution to your GSFCU account, you need to provide additional information. The information is as follows:

Wire to institution:

Catalyst Corporate Federal Credit Union
Address: 6801 Parkwood Boulevard
Plano, TX 75024

Routing/Transit Number: 311990511

For Credit to: Grossmont Schools Federal Credit Union
Address: 1069 Graves Ave, Suite 100
El Cajon, CA 92021-4573

Routing/Transit Number 3222-7650-9

Final Credit: (Member Name and Account Number to deposit funds)
Please indicate Savings, Money Market or Checking
Member Address

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CU@U - Internet Branch

How do I sign up for CU@U - Internet Branch Access?
Click on the CU@U - Internet Branch in the upper right corner of GSFCU home page. This will bring up the login page. There is a statement, if you are Not setup for CU@U - Internet Branch Click Here . Once you have Clicked Here the next screen will be the setup screen. You will need to know your Account Number, Social Security Number, E-mail Address (optional), and Birth date. After agreeing to the disclosure you will be prompted immediately to enter an Access Code and Password of your choice. Your Access Code and Password should be something only you know and can easily remember. You can change your Access Code and Password at any time by going to Account Maintenance once you are in CU@U - Internet Branch.

What account transactions can I complete using GSFCU's CU@U - Internet Branch?
You can complete the following transactions using CU@U - Internet Branch: 

  • Review account balance and transaction history for your deposit and loan accounts.
  • Review information on your loan account including payoff amounts, due dates, and balance information.
  • Transfer funds between your savings, checking and loan accounts. Federal Regulation D limits may apply. See section below entitled Does Federal Regulation D apply to CU@U - Internet Branch transfers?
  • Transfer funds to accounts of other members (advance written authorization required).
  • Export account information for downloading to Quicken or Microsoft Money
  • Use Bill Payment to pay monthly bills from your checking account to make one time payments, or schedule recurring payments, and check on previous payments. See Bill Payment Questions.
  • Aggregate balances and transaction information from most other financial institutions, automatically;
  • Transfer funds between most financial institutions to your account, or to 3 rd parties.

More information is available in CU@U - Internet Branch Agreement and Disclosures . 

Does Federal Regulation D apply to CU@U - Internet Branch transfers?
Yes, Federal Regulation D applies to CU@U - Internet Branch transfers from savings accounts. Regulation D is a Federal Regulation that limits transactions in savings accounts. The GSFCU accounts that are affected are Regular Savings and Money Market Accounts. Checking accounts do not have any transaction limits.

With Regulation D, you are limited to a maximum of six (6) of the following types transactions per month from the same savings account:

  • Transfers over the phone with a Member Service Representative
  • Transfers using Anytime Teller
  • Transfers using CU@U - Internet Branch
  • Overdraft transfers
  • Preauthorized transfers including ACH debits

Once you reach the maximum six (6) transfers in a month from the same account, future transfers from the account will not take place. This could result in insufficient funds or overdraft fees, depending on your account balance.

Please note that transactions performed at a branch or ATM are not restricted by Federal Regulation D. 

Further information concerning transaction limits can be found in the GSFCU Membership and Account Agreement and in CU@U - Internet Branch Agreement and Disclosures.

Can I change my password?
Yes. While you're in CU@U - Internet Branch, click on the Account Maintenance button from the Main Menu page to change your PIN (Anytime Teller Audio Access Code), CU@U - Internet Branch Password, or your address. Changing your CU@U - Internet Branch Password will not change your Anytime Teller password.

What do I need to use CU@U - Internet Branch?
  • PC or Macintosh
  • Internet connection
  • Anytime Teller Audio Access Code
  • CU@U - Internet Branch password
  • A recommended browser (see below)

What browser do I need to access CU@U - Internet Branch?
You must use a browser that supports encryption. We recommend Microsoft Internet Explorer 4.0 or higher for both PC and Macintosh computers, or Netscape Communicator 4.51 or higher. If you are an AOL customer, make sure you have at least version 4.0. The browsers we recommend offer the highest encryption, giving you the most secure connection possible.

How do I determine which browser I'm using? What if I need to upgrade?
In Microsoft Internet Explorer, click on Help, then click on About Internet Explorer. Click here to upgrade to a newer version of Internet Explorer now.

In Netscape Navigator, click on Help, then click on About Netscape Navigator. Click here to upgrade to a newer version of Netscape now.

In America Online's Web Browser, click on Help, then click on About America Online.

For additional assistance, contact our Information Technology Support Team M-F 9:00-5:00 @ 619-588-1515 x112.

How safe is my account information?
First of all, your account is password protected. Even if someone knows your account number, they cannot access your accounts without your password. For your safety, if this password is input incorrectly 3 times, the account is automatically locked (you can contact us at (619)588-1515 if you forget your password.)

Also, CU@U - Internet Branch uses encryption to send and receive account information and transactions. This means that information is "garbled" as it is transmitted via the Internet. The garbled information is translated after it reaches GSFCU's secure system. Your accounts (and our computer system) are not located on the Internet or Web. They are only accessed from behind a "firewall." A firewall is a security barrier set up between a company's internal systems and outside systems. Firewalls are designed to keep hostile visitors out and to protect a company's internal information.

We use the best available technology in security, firewalls, and encryption to ensure that your accounts are safe. GSFCU is very proactive in securing your information.

Why is my Account Number not working to log into CU@U - Internet Branch?
Be sure to enter your account number without the leading zeros, hyphens or punctuation. The account number appears on your monthly or quarterly account statement and should be no more than 7 digits and may be less. If you continue to experience difficulty, please call us at (619) 588-1515.

I've forgotten my password what do I do?
Contact one of our Member Service Representatives at (619) 588-1515, or email us at . We will reset your password for you. The next time you log into CU@U - Internet Branch you will be required to change it.

Can I change my Password, Audio Access Code or Address online?
Yes. We encourage you to change it periodically. While you're in CU@U - Internet Branch , click on the Account Maintenance tab from the Main Menu page to change your PIN (Audio Access Code), CU@U - Internet Branch Password, or your address. Changing your CU@U - Internet Branch Pin (Audio Access Code) will change your Anytime Teller Access Code.

I entered my account number, Audio Access code and password, and I am still unable to access CU@U - Internet Branch. What do I do?
Please review and re-enter your Account Number. This is the 7-digit number that appears on your statement.

If you have verified that your Account Number, Audio Access Code and password are correct but you still cannot login, please contact one of our Member Service Representatives at (619) 588-1515, or email us at for assistance.

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Shared Branching (CU Service Center)

What Identification must a member present to perform a transaction at a CU Service Center (Shared Branch)?
You must have a current un-expired government issued photo ID with a signature, the name of our credit union and your account number.

How do I find a CU Service Center?
To find the nearest location look for the Swirl throughout or log on to

You can also call 888-CUSWIRL (287-9475) or call a GSFCU Member Service Representative at (619) 588-1515 for a local location guide.

What Services are available at a CU Service Center?
You can make deposits, withdrawals, loan payments, VISA cash advances, account inquires (last 10 transactions), account transfers, money orders, travelers' checks and notary services (if available). Fees may apply.

Is there a maximum cash withdrawal per day?
A maximum of $500 can be given per day. A withdrawal up to $2000 may be permitted if the cash is available. A verbal authorization may be required.

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Home Equity

What is Equity?
Equity is equal to Real Market Value less Amount Owed on a Home . For example:

Real Market Value of your Home:
Amount Owed on Mortgage Loan(s):  
Total Equity

How much can I borrow?
GSFCU offers 80% loan to value, 90% loan to value, and 100% loan to value products. Using the example listed above assume your equity is equal to $300,000. If you use a 100% loan to value product, $300,000 may be available. If you use an 80% loan to value product $200,000 may be available (.80 x $500,000 (=) $400,000 (-) $200,000 (=) $200,000).

How do I determine how much equity I have in my home?
You can determine how much equity you have in 3 easy steps:

  1. Determine the Real Market Value of your home. A good place to start is to check with a real estate agent in your area and ask for a free market valuation. Or, simply check some of the recent sales prices of homes in your area that are similar to yours.
  2. Determine how much you owe on your home. Obtain your balance(s) from your current lender(s).
  3. Determine how much equity you have.

80% LTV

90% LTV

100% LTV

Estimated Market Value $500,000 $500,000 $500,000
80% $400,000 x 90% $450,000 X100% $500,000
Less 1 st Mortgage $360,000 $360,000 $360,000
Potential Limit $ 40,000 $ 90,000 $140,000

What can I use my loan for?
You can use your GSFCU Home Equity Loan or Line of Credit for home improvements, college tuition, a new car or almost anything you can imagine.

How long can the term be on my Home Equity Loan?
The maximum loan term available is 15 years.

What will my interest rate be?
Your interest rate will vary depending on the loan you choose. Click on rates to view our current rates.

Will my interest rate change?
We offer fixed and variable rate Home Equity Loans. Talk to one of our loan officers to find out which program is best suited for you.

Will interest on my Home Equity Loan or Line of credit be tax deductible?
Interest on your Home Equity Loan or Line of credit may be tax deductible. Consult your tax advisor for details.

What are the fees?
There are no origination fees for any of our Home Equity Lines of Credit.

When will I have access to my funds?
With our Home Equity Loans, you're as little as 10 14 days after receipt of your application away from the cash you need for home remodeling, paying college tuition, a new car or almost anything you can imagine.

How do I access my Home Equity Line of Credit?
GSFCU's Home Equity Line of Credit allows you to access funds anytime with Convenience Checks, Anytime Teller, and CU@U - Internet Branch. You can borrow as often as you like, up to your approved limit. You apply just once. As you pay down the balance, the money becomes available again.

Do I have to pay off my Home Equity Line of Credit if I refinance my first mortgage?

You can generally keep your Home Equity Loan or Line even if you refinance your first mortgage. A great benefit of all GSFCU Home Equity Loans and Lines is GSFCU can usually will subordinate to another lender. What does that mean? Your first mortgage and your Home Equity Loan or Line each have has what is called a lien position. Typically a first mortgage loan is in the first position, and a Home Equity Loan or Line is in second position. When refinancing your first mortgage, many lenders suggest that you pay off your Home Equity Loan or Line to ensure the first mortgage will have first lien position. At GSFCU you may not have to close your Home Equity Loan or Line.

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Bill Payment

How do I sign up for Bill Payment?
You can register for Bill Payment while you are in CU@U - Internet Branch. Simply click the Bill Payments button to get started.

How much does Online Bill Payment cost?
If you have a GSFCU Checking Account, Online Bill Payment service is absolutely free!

Which bills can I pay with the Bill Payment service?
You can pay anyone in the U.S. with this service from your babysitter to the phone company, to VISA, etc. Depending on the type of payment your payee accepts, your bills will be sent either electronically or by check. The remittance type (electronic or check) for each payee is automatically researched when you set up your payee list while you are in CU@U - Internet Branch.

How many days does it take for a payment to reach my payee?
When we receive your payment request for a payee that does not accept electronic payments, we will cut a physical check on your behalf and send it via the US Postal Service to your designated payee. GSFCU offers a 5-business day guarantee, providing you have entered the correct payee name, payment address, account number to be credited, and you authorize it to reach the payee no later than the Due Date. For electronic payments, we offer a similar 2-business day guarantee.

When a payee changes the way they accept payments from check to electronic, will I see the change?
Yes. You will see the remittance type change from check to electronic.

What should I do when I set up a payee online with a required account format that is different than the account format on my bill?
Call the toll free number for our Bill Payment Customer Care Service at (877) 542-0175. The phone representative will research the payee information. If the account format is incorrect, it will be updated in the Bill Payment database.

What is the timeframe for scheduling a payment?
It is best to schedule a payment no later than the day before you would like it to go out. Example: If today is Tuesday and you want to schedule a payment to go out on Wednesday (tomorrow), you'll need to schedule this no later than Tuesday by 9:00 p.m. Pacific Standard Time.

How do I delete a payment before it is sent?
While you are in the Bill Payment section, you can delete any Scheduled Payments by clicking on the "Trash Can" icon next to the date of the payment you wish to delete.

How do I cancel a recurring payment?
In the Bill Payment section click on the "Payments" button, and then click on the Trash Can next to the date of the payment you wish to delete.

How do I cancel a payment that has already been processed?
Payments by check - Contact our Bill Payment Customer Care Service at (877) 542-0175 to place a stop payment. There is a $10.00 fee for stop payments. This fee will not be assessed if we are responsible for the error.

Electronic Payments - Stop payments cannot be placed on electronic payments once they have been sent.

How do I cancel Bill Payment service?
Contact our Customer Care Service at (877) 542-0175 any time, day or night. You can also email your request to

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Grossmont Schools
Federal Credit Union

1069 Graves Avenue
Suite 100
El Cajon, CA

(619) 588-1515
(619) 588-2197


Co-Op Visa Verified NCUA - Your Savings Federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.  National Credit Union Administration, a U.S. Government Agency. HUD