Payment Options

Find your best method of making loan payments.

Online Banking

We're all about making things easy. After all, why write a check and stick it in the mail when you can simply go online and pay with a few clicks? Online Banking offers the easiest method to pay on any loan you have with TCU: mortgage, home equity, auto, personal loans and credit cards.

Online Banking Login

Enroll Now

Mail your Payment¹

Teachers Credit Union
P.O. Box 1395
South Bend, IN 46624-1395

Pay in Person

Visit a local Service Center to pay your loan.

Find Service Center

Call Member Services

(800) 552-4745
Mon-Fri 7:00 a.m. to 10:00 p.m.
Sat 8:00 a.m. to 5:00 p.m.

Pay with Card or eCheck

Vehicle, personal or line of credit loans can be paid using debit, credit cards or eChecks from other banks or credit unions with TCU Online Loan Pay. There's no charge when you pay your loan using eCheck, and only a $10 fee for using your credit or debit card.

Be sure to have your member number and three-digit loan number available along with your credit/debit card or checking account information. Your member number and loan number can be found on your TCU statement or by contacting us.

Note: Mortgage and Home Equity Loans are not eligible for Online Loan Pay.

Pay by Credit Card²

Pay by Debit or eCheck²

Online Loan Pay FAQs

Bank by Phone

Easily transfer money to your TCU loan accounts through automated phone options:

Bank by Phone
Call (800) 284-4725 and follow the prompts to setup automated phone banking. Make sure to have your member number and 3-digit loan number available.

Text Banking
Enroll in text banking through the Online Banking portal. Once setup, easily transfer money from your TCU accounts to loans within your TCU membership. Text LIST to 226563 to receive a full list of Text Banking Commands.³

Skip a Payment

For just a $25 fee, you can defer your upcoming loan payment to catch up on other bills with Skip A Pay. You may even qualify to skip up to two payments during any 12-month period!⁴

Qualifications for a skip

Loan can’t be delinquent
Must be scheduled at least 3 days prior to the due date
Funds for the fee must be available
Only 2 skips allowed in a 12-month period

Getting started is easy:

Click the button below to log into Online Banking
Select Accounts and Loans from the main menu
Click on the Skip a Loan Payment tile (towards the bottom)
Follow the instructions to schedule your skip

Online Banking Login

Disclaimer

See Products and Services Details for more information.

¹If you are scheduling your payment to be mailed via USPS, please keep in mind the possibility of mailing delays when scheduling your payment.

²Online Loan Payment Convenience Fee of $10 applies for payments made by debit or credit card.Please note: Credit card transactions may also incur a separate "cash advance" fee from the card's issuer. Cash advances typically carry a higher interest rate.

³ The short code 226563 is used by other financial institutions that use our same Text Banking vendor. Please be aware that if you are signed-up for another financial institution's Text Banking with the same short code, you will receive different texts for the different accounts. The account information will come through as separate text messages - individually branded for each financial institution. Standard text messaging rates apply.

⁴ Loans excluded: Mortgages, Credit Cards, HELOCs, Commercial Loans/Lines, Unsecured Lines of Credit, Loans with balloon payments. Certain restrictions apply. Your skipped payment (including principal and interest) will be added to the end of your original loan term, extending the term by one month for each loan holiday approved. NOTE: If you have set up loan payments to transfer automatically each month from your TCU (or other financial institution's) account, you will need to turn off the automatic payment for the month you intend to skip.