Excite Credit Union

Payment Options

If you need to make a loan payment, let us help you set up an automatic transfer from your account. 

Set up automatic payments to make your life easy.

NOTICE: In our switch to a new payment processing center, some mail in loan payments and deposits have been delayed. We are aware of the situation and apologize for the delay. Any late fees will be refunded immediately.

Please make a note of our new payment processing center for any mailed in deposits and loan payments such as home, vehicle, personal, and student loans, except VISA credit card payments:

New Deposit and Loan Payment Processing Mailing Address:
Excite Credit Union
PO Box 51099
Livonia, MI 48151

For VISA credit card payment, please continue your payments to:

For California Members:                                                       
VISA                                                                                          
PO BOX 60510                                                                         
City of Industry, CA 91716-0510 

For North Carolina Members:                                                       
VISA                                                                                          
PO BOX 71050                                                                         
Charlotte, NC 82872-1050

If you need to make a loan payment, let us help you set up an automatic transfer from your account. Visit our Forms page and complete the Automatic Loan Payment Set-up Form and you'll never have to worry about missing a payment again.
 

Make a Loan Payment online.

Please Note: This tool does not utilize the same login credentials as online banking. In order to make payments towards your loans using the web payment center, you must first register and create a username and password.

Here are other options for making your loan payments:

Type of Loan Payment Method How long to post? Cost?
Loans / Lines of Credit      
  Mailed to: Excite Credit Union
PO Box 51099, Livonia, MI 48151		 Day received $0
From an ECU account: Automatic Transfer Due date $0
 
  • Online or Mobile Banking
  • Service Center – 800.232.8669
  • Branch/Shared Branch
 Instant $0
From another institution: 3rd party bill pay service Day received $0
  Web Payment Center – online 1-2 business days
for payments made
before 6 pm		 $0
  Service Center 800.232.8669 1-2 business days
for payments made
before 6 pm		 $10.00
VISA Credit Card      
 

California Members
Mailed to: VISA
PO Box 60510, City of Industry, CA 91716-0510

North Carolina Members
Mailed to: VISA
PO Box 71050, Charlotte, NC 82872-1050

 Day received $0
From an ECU account:
  • Online Banking
  • Service Center –800.232.8669
  • ECU branches only
 1-2 business days
for payments made
before 6 pm		 $0
From another institution: 3rd party bill pay service 1-2 business days
for payments made
before 6 pm		 $0
  Online Banking 1-2 business days
for payments made
before 6 pm		 $0
  PSCU – Phone – 866.820.3095 1-2 business days
for payments made
before 6 pm		 $5.00
  Service Center 800.232.8669 1-2 business days
for payments made
before 6 pm		 $10.00
Mortgage Loan / HELOC      
  Mailed to: Excite Credit Union
PO Box 51099, Livonia, MI 48151		 Day received $0
From an ECU account: Automatic Transfer Due Date $0
 
  • Online or Mobile Banking
  • Service Center – 800.232.8669
  • Branch/Shared Branch
 Instant $0
From another institution: 3rd party bill pay service Day received $0
  Service Center 800.232.8669 1-2 business days
for payments made
before 6 pm		 $10.00

Step up to Membership

Getting a membership with us isn't a transaction - it's a friendship, a partnership, a neighborhood-wide collab, a life-long pursuit of better, for you, me, us, them, and everyone else we hang out with in life.