Make Payments

We offer several convenient ways for you to make your loan payments.

Loan Payments

Online Banking
Make payments (one-time or automatic monthly recurring)
by transferring funds from your UFCU savings or checking account to your loan accounts through Online Banking.  

Direct Deposit
A portion or all of your pay can be designated for automatic deposit to your UFCU savings or checking account. Once the money is in the account, you can set up automatic transfers to the new loan through Online Banking.
To set up direct deposit, simply provide the Credit Union’s Routing Number and your UFCU savings or checking account to your employer.

Automatic ACH Transfers (bank to bank transfers)
Complete our Authorization ACH form and we will set up automatic transfers from your current financial institution.  You have the option to set up a one time or recurring transfer.
Have the following information available to complete the form:

. Your outside financial institution’s routing and account number.
. Your credit union’s account number.
. Attached a voided check or if you do not have checks, attached a bank statement.

Pay from another Financial Institution (process steps)
. Your bank will initiate a test trial of a few cents. 
. Log into your bank’s Online Banking.
. Choose to transfer money from your bank to another financial institution that you might have.
. Set yourself as a Payee (your name).
. Enter the Credit Union’s Routing Number: 221275711.
. Enter your Credit Union’s Savings or Checking Account information.
. Log into your bank’s Online Banking to verify the test trial.
. Once you verify the test trial, their system will allow you to set up a one time or recurring transfer.
. If you have a loan with the Credit Union, we will set up recurring automatic transfers from Savings or Checking to the suffix loan.

Send your payment by mail
Make checks payable to UFCU
P.O. Box 1112
Englewood Cliffs, NJ 07632

Principal-Only Loan Payments
To request a principal-only loan payment, please contact us via email to accommodate your needs.

Have Questions?
Call us at 203-816-4041, or email us at

Credit Card Payments

Pay your UFCU Visa® Credit Card by enrolling in
The eZ Card website allows you to manage your Credit Union Visa® Credit Card online:

  • See an account summary or current activity on your account
  • Make payments on your Visa® Credit Card
  • Check available credit
  • Sign up & Access Electronic Statements
  • Receive alerts
  • Pay bills
  • Access you ScoreCard Rewards

To get started, click here and click on enroll.
Please have the credit card number available to enroll. 

Have trouble logging in to your account.  Call login support at 1-866-604-0380.

Zelle® Payments

Zelle® is a service that offers a free, easy, and secure way to send and receive money to family members, friends, and people you are familiar with such as your personal trainer, babysitter, or neighbor.

A Share Draft Account is required to enroll in Zelle® (A Share Draft Account is the Credit Union version of a Checking Account). 

Get Started
To get started, log into UFCU’s Online Banking.
Navigate to Bill Pay and select “Send Money with Zelle®”.
Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you’re ready to start sending and receiving with Zelle®.

The money is sent directly from your UFCU’s Share Draft Account. If someone sends money to you through Zelle® you’ll receive an email or text message.

Download our Mobile App

Apple Users – Download the app in the Apple Store

Android Users – Download the app in the Google Play Store™

Have Questions?
Call us at 203-816-4041, or email us at