If you have your checking account with another financial institution, you may be able to set up their Bill Pay to make your South Bay Credit Union loan payment either on-demand or re-occurring. Electronic payments generally take between 1-3 business days; check payments take 5-7 business days. Time frames are controlled by the bill payment vendor and they will notify you with the estimated time. Please allow sufficient time for the payment to be received and processes to avoid a late fee. Use your membership account number (six digits) plus the loan suffix (found on It’s Me 24/7, statements, or loan agreements). You might need our Routing# 322281028 and our address for vendor set up is: South Bay Credit Union, 312 N. Pacific Coast Highway, Redondo Beach CA 90277-2837.