Loan Pay

Loan Payment Options

Transfer Option

If you have funds on deposit, you can sign on to online banking and complete an auto-transfer anytime 24/7. Mobile access is available too. Log-in here.

Auto Transfer Option

If you have funds on deposit, you can sign on to online banking anytime and set up automatic loan payment transfers.  Options are: right away, weekly, bi-weekly, monthly, one-time only, quarterly.


It’s late at night and you just remembered you need to make a payment. E-Pay is available 24/7 for ONLY SBCU members to use their Visa or MasterCard with an external financial institution. It’s easy and secure and it even saves your information. It makes life easier next time you need to make a payment. Payments made after 5:00 pm PST are processed the next business day. But do not fret, your payment will be posted for the effective date. E-Pay has a maximum limit of $5,000. A $14.00  convenience fee will be assessed (as of 3/1/21). E-Pay Terms and Conditions


Bill Pay

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 of 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.

A2A Transfer

It’s okay, we know you have accounts at other financial institutions. Use this feature to set up a relationship with your external bank account and you can transfer money back and forth between accounts. YOU MUST BE A LEGAL OWNER ON BOTH ACCOUNTS. To enroll for A2A transfer, we’ll need you to fill out the A2A form within Home Banking (Once logged in go to My Accounts- Set-up). Please allow one business day for your request to be processed. Once your request has been processed, you must log on to the ItsMe24/7 online banking site to complete transactions. A2A is free when you transfer IN or OUT from an SBCU account to another financial institution. Please allow 2-3 business days for your transfer to process.