Loan Payment Options
Loan Payments
Made Easy!
Pay your way, on your schedule
Whether it's your car, your credit card or your home, staying on track should be simple. Pick the type of payment below to see your options, then jump straight to the answers you need.
Loan Payment Options
For non-mortgage loans, the easiest way to pay your SCU loan is right from your Free Rewards Checking or savings account.
Mortgage Payments
Your SCU mortgage is serviced by our trusted partner, Midwest Loan
Services. Here's how to pay and where to get help.
Pay Other Bills
Utilities, phone, insurance, rent and more. Pay just about anyone right from your SCU checking account.
Loan Payment Options FAQs
Auto, Visa credit card, home equity, and personal loans and lines.
What's the fastest way to make a loan payment?
Use the SCU mobile app or online banking to transfer money from your SCU checking or savings account straight to your loan. It's free and posts right away. Don't have the app yet? Download it from the App Store or Google Play.
To pay automatically from an account at another financial institution, complete and return our ACH Loan Payment form, and we'll deduct your payment each month. You can also set up recurring transfers from your SCU account in the app or online banking.
Yes. Call Member Services at (916) 444-6070, Monday through Friday 8:30 a.m. to 6 p.m. and Saturday 9 a.m. to 2 p.m. You can also visit any of our branch locations
Yes. Before you start, have your SCU member number, 3-digit loan suffix (for example, Personal Loan 001), and 14-digit loan account number ready. Then choose the option that works best for you:
- Pay through your other institution. add your SCU loan as a payee in your other institution's Bill Pay or remote transfer feature. You can also use Instant Loan Payment or set up automatic payments.
- Set up automatic payments. Allow us to automatically deduct the payments from your account at another financial institution by completing and returning this form (ACHLoanPayment), or
- Use Instant Loan Payment² to pay with a non-SCU debit card or e-Check
- Payments can only be made to SCU
- Make payments of $20 to $1,500, either one-time or automatically recurring
- A non-refundable $4.95 fee applies to debit card payments and $1.95 fee applies to e-Check payments
Instant Loan Payment lets you pay your SCU loan online with a non-SCU debit card or e-Check. Payments can be $20 to $1,500, one-time or automatically recurring. A non-refundable convenience fee of $4.95 applies to debit card payments and $1.95 to e-Check payments. Credit cards are not accepted.²
Write your loan account number on the front of your check and mail it to:
Sacramento Credit Union
P.O. Box 2351
Sacramento, CA 95812-2351
Important Note: Write your 14-digit Loan Account Number on the Memo Line of your check.
Mortgage FAQs
First mortgages are serviced by Midwest Loan Services, a trusted partner of SCU.
The easiest way to pay your mortgage is to Log into SCU Online Banking or the SCU mobile app and select More > Loan Services > First Mortgage. This will log you in to your Midwest borrower account where you can make a one-time payment or set up automatic payments, since mortgage payments go to Midwest Loan Services, not directly to SCU.
Yes. Call Member Services at (916) 444-6070, Monday through Friday 8:30 a.m. to 6 p.m. and Saturday 9 a.m. to 2 p.m. You can also visit any of our branch locations
Yes. Add Midwest Loan Services as a payee in SCU Bill Pay and schedule one-time or recurring payments from your SCU checking account. Be sure to include your mortgage loan number.
Midwest Loan Services is a trusted partner of Sacramento Credit Union, and they handle payments, escrow, statements and payoffs on SCU's behalf. For account-specific help, visit the Midwest Loan Services Borrower FAQs.
Midwest Loan Services manages your escrow account, including property taxes and homeowners insurance. Contact them directly or visit their Borrower FAQs for help.
No. Home equity loans and lines of credit are paid directly to SCU, not Midwest Loan Services. See Loan Payment Options FAQs above for all the ways to pay.
Bill Pay FAQs
Paying non-SCU bills from your SCU checking account.
Bill Pay lets you pay companies and people outside SCU, like your utility, cell phone or insurance provider, directly from your SCU checking account in the app or online banking. Everything is tracked in one place.
An SCU checking account and enrollment in SCU Digital Banking. Don't have checking yet? Open a Free Rewards Checking account and start paying bills right away.¹ Remember, have your SCU member number, 3-digit loan suffix
(for example, Personal Loan 001), and your 14 digital loan account number ready before you start the set-up.
Yes. Set up one-time payments or recurring payments for bills that stay the same each month, and change or cancel them anytime before they're sent.
Most electronic payments arrive within a few business days. Some payees receive a mailed check instead, which takes longer, so schedule payments ahead of your due date. Bill Pay shows the estimated delivery date when you set up each payment.
For current Bill Pay details, see our Fee Schedule or call Member Services at (916) 444-6070.
Simplify Your Loan Payments
Open a Free Rewards Checking Account and make payments directly from the SCU app.
¹ A valid Sacramento Credit Union checking account is required to use Bill Pay.
² Please see below for full Instant Loan Payment disclosure information:
- Acceptable payment methods include eCheck and debit card. Instant Loan Payment will not accept credit card payments.
- A non-refundable convenience fee of $4.95 will be charged for all debit card and $1.95 will be charged for all eCheck payments.
- Payments can only be made to SCU.
- A minimum payment of $20 is required to utilize this service. The maximum payment amount using any payment method is $1,500.
- Once the transaction has been validated, the payment will be effective immediately.
- Payments can be set up as a one-time payment or automatic recurring payments.
- Our standard fee will apply to any disputed transaction or returned item. A payment reversal from your loan may also result in a late fee. (Refer to your loan agreement for details on late payments).
- Please retain a copy of the delivered receipt page or email as confirmation of the approved transaction.