How to pay STCU loans.

Consumer loans and credit cards.

Ready to make a payment on your STCU auto, RV, home equity, or personal loan or on your STCU  Mastercard credit card? Choose your best option.

Pay from your STCU accounts.

Scheduling automatic loan payments from your STCU accounts is the easiest way to maintain a perfect credit score by always making your payments on time.

Automatic transfers from STCU accounts.

Log into online banking to set up automatic transfers to your STCU loans:

1. From the online banking dashboard, click on "Transfers."
2. Select the account from which payment will be made, and the loan account to pay.
3. Select the amount to pay, day to pay, and the frequency of the payment.
4. Add a "memo" for your records to note the purpose of payment.
5. When you're ready, click on the "Submit Transfer" button.

Hint: To avoid an accidental overdraft, make sure your payment account always has enough money to cover your automatic transfer on the scheduled date.

One-time payment from your STCU account.

To manually make a one-time payment from your STCU account, log into online banking, click on "Transfers," then choose the proper credit card or loan account you want to transfer money (make a payment) to.

Principal-only payments.

Yes, you can make a principal-only payment online to any eligible STCU consumer or home loan without penalty! Your payment must be made from an existing STCU checking or savings account, and only after your regular monthly loan payment is paid on time.

For many members, principal-only payments are a great way to pay a loan off faster and to save money by reducing your debt burden. Here's why: interest on a loan is charged on the amount you borrow, known as the principal. When you make periodic principal-only payments, you reduce the balance of your loan — the part that's being charged interest. Paying your loan off faster can shorten the term of your loan and reduce the total amount of interest owed. 

It's easy to make a principal-only payment. Log into your online banking account and follow these steps:

1. Click on "Transfers."
2. Choose "Classic" transfer.
3. Choose your existing STCU account to transfer money from.
4. Choose the loan you want to pay.
5. Select the "Principal-only" option, if available.
6. Type in the amount you want to designate as principal-only.
7. Select the date you would like to make the payment.
8. Click "Submit Transfer," and review and confirm the transfer.

To set up recurring principal-only payments, choose "Classic" transfer and the "recurring payment" frequency. 

Remember: principal-only payments do not replace your regular monthly payment; they are made in addition to your regular monthly payment.

Mail or drop off payments at STCU.

If U.S. mail or hand delivery is more your style, use any of the following payment methods:

• Credit cards only: mail your check to STCU, P.O. Box 37035, Boone, IA 50037-0035.
• Loans only: mail your check to STCU, P.O. Box 1954, Spokane, WA 99210-1954.
• All payments: drop off your payment at any STCU branch location. Night Drop is open 24 hours a day!

Hint: Mail checks early to avoid late payment.

Notes: Non-credit card payments that are mailed to the Boone, IA P.O. Box will be delayed approximately 15 days. Please ensure you are mailing your payment to the correct address.

Pay from accounts at other financial institutions.

Register to make secure consumer loan and home loan payments to STCU from accounts you may have at other banks or credit unions.* Make one quick payment or set up automatic payments for the future. You can even pay by text!

1. Open the registration page.
2. Search for your loan by entering your 10-digit STCU loan number or the last four digits of your STCU credit card number.
3. Enter the last four digits of your Social Security number; enter your birthdate.
4. Choose a four-digit password.
5. Enter your email, where payment receipts should be sent.
6. Set up payment reminders.
7. Choose your payment method. There is no fee when you choose an electronic check, or automated clearinghouse (ACH) payment. There is a $10 fee when you choose a debit card.
8. Enter the amount of your payment.
9. Review and confirm. A receipt will be emailed to you. Most payments are posted within two business days.

Hint: Payments can be made on most consumer loans, including mortgages. Payments on business loans are not available at this time. Principal only payments are not eligible.

Text payments.

Set up text reminders for your monthly payment when registering above to make payments from accounts held at other financial institutions. The text reminder will include a link to confirm you want to make a payment. Click on the link to make a payment.

*This service is only for making loan payments from other financial institutions. See "Pay from your STCU accounts" above to learn how to make convenient, secure loan payments from your STCU accounts.