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Make a Loan Payment

Making a payment has never been easier – plus it’s quick and secure.

Use our convenient Online Loan Payment service to pay your SMCU loan* (excluding first mortgages and credit cards) from your account at another financial institution. No more checks to mail with worries about postal delays, and no more special trips to the branch.

Choose one of two convenient ways to make your payment:


One-Time Payment

Make a one-time payment using a Debit Card** or electronic transfer (ACH). To access the payment system, you will need your member number, loan suffix, and the last four digits of your Social Security Number. If you are paying via ACH you will also need the routing and account number from your other financial institution.


Make a One-Time Payment

Recurring Payments

To set up recurring loan payments (or even a one-time), sign into Online Banking. You will have to add and verify your account at your other financial institution, do this in the Transfers widget. You will need the routing and account number from your other financial institution. Once this process is complete, you can schedule recurring or one-time payments to your SMCU loans (excluding first mortgages).

Sign into Online Banking

* Loan payments are available for the following SMCU loans: auto, personal, home equity loan, and home equity line of credit. Principle-only payments are not available. To make a payment to a credit card, sign into Online Banking and click on the credit card account.

** A $9.99 convenience charge will be applied when you use a Debit Card for payment.
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