Payment-Related FAQs

Log in to Online or Mobile Banking, and navigate to:

Self-Service Center   >   Request Center   >   Loan Service Request   >   Loan Due Date Change

Please note, the following applies:

• Loan(s) must be current.
• The request can be submitted by any signer/borrower on the loan.
• Only one due date change is allowed within a 12-month period.
• Your current payment is still due on the original due date you see on your most recent statement. Your new due date will start on the next billing cycle and will appear on your next statement.
• Lines of Credit, Credit Cards, Mortgages, Business Loans, and Lease Loans are not eligible.

Paying off your loan can help you save money on interest payments over time and improve your financial wellbeing by reducing your debt burden and increasing your financial flexibility.

Personal and Debt Consolidation Loans

• Pay off loan using an Affinity Account:
  • Log in to Online or Mobile Banking.
  • Navigate to Pay & Transfer   >   Internal Transfers
  • Select the From account, the Loan you want to pay off, and then under "I want to" select Pay in full and close (for mobile app, it will be Type of payment).
• Pay off loan using a non-Affinity Account:
  • Please call Affinity to speak with one of our Member Service representatives

Auto Loans, Mortgages, and Home Equity Line of Credit:

• Please call Affinity to speak with one of our Member Service representatives or use Secure Messaging within Online and Mobile Banking.

To access Secure Messaging

• Online Banking: Log in   >   More   >   Contact Us   >   Secure Email & FAQs   >   + New Message
• Mobile Banking App: Log in   >   More   >   Contact Us   >   Secure Email & FAQs   >   + New Message

Log in to Online or Mobile Banking, and navigate to:

Self-Service Center   >   Request Center   >   Loan Service Request   >   Payoff - Consumer/Mortgage Loans   >   Select Loan   >   Select Date   >   Print/View Letter

Credit card and mortgage statements are sent separately, but you'll find all other loan statements included in your monthly member statements.

• Mobile Banking App:
  • Log in   >   More   >   Statements, Tax Forms & Bills   >   More (3 horizontal lines)   >   Escrow & Loan Billing Statement
• Online Banking:
  • Log In   >   Statements & Documents   >   Escrow & Loan Billing Statement

If you have automatic payments set up, you won't receive a loan billing statement automatically. If you need one, simply give Affinity a call or visit your local branch, and we'll be happy to create one for you.

Setting up payment reminders is a simple yet effective way to ensure you manage your credit responsibly and maintain financial stability.

• Mobile Banking App: Push Notifications
  • Log in   >   Settings   >   Push Notifications
• Online Banking: Text/SMS Messages
  • Log In   >   My Settings   >   Other Settings   >   Alerts & Notifications   >   Add an alert +

Select the "Pay in Full Without Closing" option instead of the "Regular Payment" option in Online Banking.

No, late payments are only reported to the credit bureau that are 30, 60, and 90 days past due.

You will need the Affinity Federal Credit Union routing number (Routing #221283512) and your loan account number.

Please note that there may be a delay if the Bill Pay is not electronic.

You're seeing two payments due because, when your most recent billing statement was generated, the balance from your previous billing statement was still pending payment. If you've already paid your previous balance, you can disregard the previous payment due amount. However, if you haven't paid it yet, you can submit one payment, but you'll need to manually input the full amount.

• Auto loans:
  • Collateral Protection Insurance was added for lack of submitting insurance coverage. You can provide your proof of insurance by asking your insurance provider to fax the Declaration Page to 800.713.0259 for Auto or 800.713.0256 for Homeowner/Hazard Insurance. You can email the insurance verification to docsend@fmq.alliedsolutions.net. If you have other questions, please call our Insurance Service Center at 800.998.0763. You may be entitled to a refund of the force placed insurance with your proof of insurance.
  • Interest rate adjustment because title has not been submitted with AFCU as lienholder within 90 days of financing
• Mortgages:
  • There was a change in escrow amount due to property tax adjustment or insurance adjustment.
• All loans:
  • Late fees added
  • Variable interest rate adjustment