You can make a payment with no convenience fees using any of the following methods:  In-office, by mail, Recurring ACH, or ACH self service via our online account access.

We’re making things easier with MessagePay!

Make a payment on your UPFCU loans from any external account; as easy as a text message or online, through our website or online and mobile banking.

This service works for all UPFCU loans except credit card payments. To make a payment on your UPFCU credit card account, click here.

Setting up your account:

IMPORTANT NOTE: Your payment may take up to three (3) business days to post to your account.

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What you should know:

You will receive a text message informing you of the amount due on your loan. You will be able to review your payment options or you will be able to opt out of our text message service by texting “STOP”. 

The link will take you to a portal where you will be asked to verify your account with your account number and date of birth.

When you verify your account for the first time you will have to setup the following:

  • 4-digit pin: once you have entered your account number and date of birth, it will prompt you to create a 4-digit pin. Store this information in a secure place as you will need this pin number to verify future payments.
  • Preferred method of payment: to make a payment you will have to add your preferred form of payment in the portal. You can do this by selecting ADD NEW DEBIT CARD or ADD NEW BANK ACCOUNT which will prompt a secure website for you to input your information. If done correctly, there will be a message stating ‘Payment Method Success’ and you will be redirected to the payment portal.
  • Once your account has been successfully verified, you will be directed to the payment portal where you’ll be able to see all of your loans and will also be able to select your preferred payment method.

Member Benefits:

  • ACH payment fee only $4.99
  • Debit Card payment fee only $5.99
  • Encrypted information guarantees your information is secure
  • Convenient ways to pay from an external account: text, website, online/mobile banking
  • Payments accepted from checking accounts and savings accounts
Click here to Make a Payment

Frequently Asked Questions

Can I make a payment on my loans through my online and mobile banking account? 

Log in to your online and mobile account using your smartphone, tablet or desktop and select ‘Make a Payment’ from the menu bar located on the left. This will take you to the payment portal where you will have to verify your account.

If I opt out of receiving text messages, will I still be able to pay my loans online?

Yes, you will have to access the payment portal through our website or online and mobile banking. However, you will not receive any text notifications regarding payment reminders and will not be able to make a payment via text message.

How can I pay my account via text message?

Once you receive a text reminder, you respond “Pay” to the same text. You will be asked to enter your pin to verify your account, once you have completed this process your payment will be complete and you should receive a confirmation text. NOTE: you will have to setup a 4-digit pin and preferred method of payment prior to using text payments.