Make a payment

Introducing an Easier Way to Pay your Loans with Message Pay

Message Pay provides added functionality and ease when making a loan payment from another financial institution.  Plus, if you ever miss a payment, automatic text messages will be sent out as a courtesy reminder, keeping you on track.

Message Pay Enhancements

• Immediate, Real-Time Posting of Payments
  Transactions will post to accounts immediately.
• Text Message Reminders
  Automatic text messages are sent if a payment is missed as a courtesy reminder.
• Payment Options
  Pay with a debit card or routing and account number from another financial institution.
• Schedule Payments  
  Send one-time payments or create an automatic schedule
• Create an Account to View Qualifying Loans Available to Pay through Message Pay
  Qualifying loans may include Auto, Personal, Home Equity, Boat/RV, Classroom Supply Assistance Loans
  • The following programs are not eligible to pay through Message Pay.  Call the credit union at 518.583.2323 to process a payment over the phone or use one of the options below.
    • ​Credit Cards:  Credit cards can be paid over the phone by calling the number on the back of the card 24/7.  Credit cards payments can also be paid through online banking.
    • Owners Choice Funding Mortgages:  Manage my loan, https://www.ownerschoice.com/manage-my-loan
    • Student Choice Student Loans:  https://saratogafcu.studentchoice.org/ 
       

Message Pay Login

Here's What You Can Expect

Message Pay will guide you to locate your account, set up a PIN to create an account and guide you to making your payments.  It is as simple as 1-2-3!

1. Look Up Your Account
2. Set a Pin
3. Set a Payment