Pay Your Loan Your Way
Free through ACU online banking, or from any bank through our secure payment portal. Portal payments made before 6:00pm PST are processed the same day.
Which Way Is Right for You
Find the Easiest Way to Pay Your ACU Loan
Answer one question and skip straight to the method that fits: where is the money coming from?
I have an ACU account
Transfer in Online Banking
The fastest way, and it is free. Move money from your ACU checking or savings to your loan in a few taps.
Pay free in online banking →My money is at another bank
Use the Payment Portal
Pay with a debit card or electronic check from any financial institution. $12 per payment, same-day before 6:00pm PST.
Go to the payment portal →I would rather talk to a person
Call or Visit a Branch
A real ACU team member will take your payment or walk you through setting up a free option for next time.
See phone and branch options →Every Payment Option
Free Options First. No Surprises.
Most members never pay a fee to make a loan payment. Here is every method, with the cost stated up front.
Transfer in ACU Online Banking
FreeMove money from your ACU checking or savings straight to your loan. Set it up once as a recurring transfer and your payment is never late. On auto loans, qualifying autopay can also lower your rate by up to 0.75% APR. New to transfers? Follow the step-by-step transfer guide.
Log In and PayACU Mobile App
FreeMake the same free transfer from your phone. Deposit a check with mobile deposit, then move the money to your loan without leaving the couch.
Tip: the app is available for iPhone and Android through Online and Mobile Banking.
Online Loan Payment Portal
$12 per paymentPay from any financial institution with a debit card or electronic check. Register once, then pay in minutes. Payments made before 6:00pm PST are processed the same day.
Make a Portal PaymentYour Bank's Bill Pay
Free from ACUAdd America's Credit Union as a payee in your other bank's bill pay and send your payment from there. Include your member number and loan number so the payment posts to the right loan.
By Mail
FreeMail a check with your member number and loan number in the memo line to:
America's Credit Union
P.O. Box 5060
DuPont, WA 98327-5060
By Phone or at a Branch
Talk to a personCall us at 253-964-3113 or toll free 866-968-7128, or bring cash or a check to any ACU branch. We will take your payment and help you set up a free automatic option for next month.
Find a BranchAt a Glance
Compare Payment Methods
Cost and processing speed for every way to pay your ACU loan.
| Method | Cost | Processing |
|---|---|---|
| ACU online banking transfer | Free | Immediate |
| ACU Mobile App transfer | Free | Immediate |
| Online Loan Payment portal | $12 per payment | Same day before 6:00pm PST |
| Your bank's bill pay | Free from ACU | Varies by your bank |
| By mail | Free | On receipt |
| Phone or branch | Free | Same day |
First Time Using the Portal
Three Steps to a Same-Day Payment
Register once. Every payment after that takes about two minutes.
Register
Open the Online Loan Payment portal and create your account. Have your member number and loan number ready.
Add Your Payment Method
Enter the debit card or checking account you want to pay from. It can be from any financial institution.
Pay Before 6:00pm PST
Submit your payment and it is processed the same day. Payments after 6:00pm PST post the next business day.
Why It Pays to Pay With ACU
Built Around Your Payment, Not Our Fees
Most credit unions and banks charge for convenience. ACU gives you free ways to pay first.
Free Options First
Online banking, the mobile app, bill pay, mail, phone, and branch payments all cost nothing.
Same-Day Processing
Portal payments made before 6:00pm PST are processed the same day, so a due date never sneaks past you.
Autopay Can Lower Your Rate
Qualifying autopay from an ACU account takes up to 0.75% APR off an ACU auto loan.
Pay Anytime
Online banking, the mobile app, and the payment portal are open around the clock, every day.
Real People Nearby
Questions about a payment? Call or walk into a branch and talk to a person, not a phone tree.
Federally Insured
Your ACU accounts are insured up to $250,000 by the National Credit Union Administration.
“This place is AMAZING. They are prompt, professional, and fun. Definitely go above and beyond what is expected. I cannot imagine using a different institution.”
Common Questions
Loan Payment Questions, Answered
Everything members ask about making a payment.
Your Payment, Done in Two Minutes
Log in and pay free from your ACU account, or use the portal from any bank before 6:00pm PST for same-day processing.
Online Loan Payment portal payments are processed by a third-party payment service and carry a $12 convenience fee per payment. Payments submitted through the portal before 6:00pm PST are processed the same day; payments submitted after 6:00pm PST are processed the next business day. Transfers within ACU online banking and the ACU Mobile App are free. Auto loan autopay discount of up to 0.75% APR requires autopay from an ACU account with a qualifying direct deposit; see current auto loan disclosures for details. ACU membership with $25 membership pledge required. America's Credit Union NMLS 449181. Federally insured by NCUA.