Need to pay your loan from another institution?

Make a payment to your MFCU loan from another financial institution using your checking account or MasterCard, Visa Debit or American Express. Read our Frequently Asked Questions below.


Beginning on October 1, the ability to schedule recurring payments with an external account, card or via Express Pay will no longer be available.

Other Payment Options

  • Online: Make a payment from an existing MFCU checking or savings account in Online Banking.
  • In Branch: Make a payment at one of our convenient locations.
  • Mail: Mail your payment to PO Box 520, Ontario, OR 97914.

Recurring Payment

Click below to register the first time to set up a no-fee, recurring loan payment from an external account OR make changes to account information. Provide your member number, and the primary member’s information.

Express Pay

Quick, easy and no-fee! Make a one-time payment from another financial institution using an external account. Provide your member number and the primary member’s information.

After clicking the link, make sure you click the white button under the text boxes where it says, “Express Pay.”

Other Payment Options

You can mail in or drop off your payments at any branch. You can also call our member support center at (541) 889-3149 and make your payment with their assistance.

There is a $10 convenience fee for employee-assisted payments made by phone.

Frequently Asked Questions

Why is there a convenience charge?

MFCU incurs expenses for processing loan payments from accounts at other financial institutions. Prior to this service, payments were processed manually by MFCU’s Member Support Center. The new self-serve option allows you to easily view your transaction history.

What are the charges?

The convenience charge for payments by phone is $10 per transaction. If you go into a branch to set up a recurring payment through ACH there is no charge. Click here to set up a recurring payment of your own.

How can I get around paying the convenience charge?

Payments made from a MFCU savings or checking accounts are free. Making MFCU your primary financial institution comes with many benefits. You can also set up a recurring ACH payment in person for no charge.

What do I need to make a payment?

To pay online, you’ll need your member number, primary member’s date of birth and the last four digits of Social Security number. To make a payment via MFCU’s Member Support Center, call 541-889-3149 or visit a branch during regular business hours, you’ll need your member number.

When will payments post?

Payments made after 7pm MST will be posted the next business.

Can I set up recurring payments online or on the phone?

A recurring payment can be set up, by you, here at no cost. Or, you can go to a branch to set up a recurring payment through ACH.

Can I payoff my loan online?

For payoff options please call the MFCU Member Support Center, 541-889-3149, or stop by one of our branches.

Why can’t I see my loan online?

Loans are searchable by the primary borrower’s information. You will not be able to see a loan if you are not listed as a borrower unless you have the information required to access that loan. Also, a loan must be in good standing to be accessed via the system.

Can I pay less than the minimum?


What types of loans can I pay?

You can make payments on mortgages, personal loans, auto loans, and lines of credit.

How will I know my transaction was successful?

You will receive an emailed confirmation letter.

What if I need to dispute a payment?

Please contact your external account’s financial institution.