Loan Payment Options

Convenient ways to pay your loan online!

Pay Loan - Transfer from Service1 account icon

Transfer from your Service 1 FCU account

  • Available anytime, anywhere
  • FREE!
  • Payment applied same day
  • Regular monthly or principal-only payments
  • Set it and forget it: Schedule future and recurring payments
  • Configure text/email reminders
  • Log into It'sMe247 Online Banking via computer or mobile app to pay:

Pay Now

Pay Loan - Transfer from different FI icon

Transfer from another financial institution

  • Available anytime, anywhere
  • FREE!
  • Payment applied within 3 to 5 business days (unless prescheduled)
  • Set it and forget it: Schedule future and recurring payments
  • Configure text/email reminders
  • Complete an A2A transfer authorization to get started today (requires setup)§
  • Once your account info is confirmed, log into It'sMe247 Online Banking to pay:

Pay Now

§reach out to the Contact Center for assistance with one-time setup for A2A transactions; (800) 879.9697

Pay Loan - Pay with card icon

Pay by routing number or card

  • Available anytime, anywhere
  • FREE payments from a checking or savings account; convenience fees apply when using debit or credit card*
  • NEW LoanPay Xpress: Pay as a guest, or create account to keep all loan and payment info/history in one place
  • Make a one-time payment, or “set it and forget it” with scheduled future and recurring payments
  • Pay online via computer or mobile
  • Register/log in or guest visit to pay:

Pay Now

*Payments made with a debit or credit card utilize a third-party payment service, LoanPay Xpress, and are subject to a convenience fee of $14.95 per transaction

Make payments FREE in LoanPay Xpress with your Service 1 FCU checking or savings account with routing number. FREE loan payment is also available in It'sMe247 Online Banking via Bill Pay or A2A transfer using your Service 1 FCU savings or checking account. See Service 1 FCU for details.

Additional Ways to Pay



  • Payment generally received within 5 to 7 business days
  • Mail checks to:
    Service 1 Federal Credit Union
    PO Box 810
    Muskegon MI 49443

Please include loan coupon (available in It'sMe247 Online Banking)


  • Payment received immediately
  • $2.00 convenience fee per payment/transfer
  • Member Service Center: (800) 879-9697



AVAILABILITY OF DEPOSITS: Funds from deposits may not be available for immediate withdrawal

Debt Protection

This voluntary debt cancellation program can cancel your eligible loan balance up to the agreement maximum should you die before paying off your loan. 

If you become disabled due to a protected illness or injury, Debt Protection coverage can cancel your monthly loan payment, up to the agreement maximum. With payment cancellation, both the principal and interest portions of your loan payment are cancelled, up to the agreement maximum, and your loan balance declines. 

If you become involuntarily unemployed, Debt Protection coverage can defer the principal portion of your loan payment and cancel the interest portion up to the agreement limit. With interest cancellation, the loan balance does not decline. Program and other fees may continue to accrue. 

With Debt Protection, you can only buy enough protection to cover your loan balance. 

*Subject to change