Making Your Loan Payments Simple and Stress-Free

We’re here to support you every step of the way. Find easy ways to pay your loan and access helpful resources whenever you need them.

Your Loan, Your Way.

We know life can be busy and sometimes unpredictable. That’s why we want to make managing your loan as easy and stress-free as possible. Here, you’ll find tools, tips, and support to help you stay on track. From online payments to automatic reminders, we’ve got options that fit your schedule. And if you ever need a helping hand, our team is just a call or click away.


Simple Answers for Payments, Solutions & Security:

 

General Information

Online and mobile payments make loan payments easy on the go! You can pay online through our secure portal and even set up automatic payments. Alternatively, you can make a payment in person or by phone. Pick the method that works best for you.
Absolutely! Automatic payments help you stay on track so you'll never miss a due date. You can set it up through Online Banking or you can call us for assistance. To enroll in Online Banking, select the “Log In” button on the top right of the homepage, then select “Enroll” just below the Log In button.
We understand that life happens. Contact our Member Credit Solutions team soon as possible via email* at [email protected] or call 434-956-3821. We can discuss options like payment adjustments, deferments, or other resources to help you stay on track.
Yes! You can make payments anytime, anywhere using our mobile app or within Online Banking. It’s simple and convenient! 
*Email is not a secure medium for sending account information. Please use "Messages" in Online Banking to send us personal account information. We will never ask you for any personal information including any account information or social security number via email. We will also never ask you to verify your Online Banking Secure Access Code (SAC), do not ever share this code with anyone.


Credit Cards

You can check your balance or available credit anytime through our Online Banking or mobile app. Just log in, on the home page under “Accounts” find your “Visa” credit card tile and select “External.”  You can see your current balance, available credit, recent transactions, and pending transactions, all in one place.
 
Don’t worry, we understand life happens. If you miss a payment, reach out to our Member Credit Solutions team soon as possible via email* at [email protected] or call 434-956-3821. We can help you understand any late fees, get you back on track, and discuss options to avoid missing future payments.
If you see a charge that doesn’t look right, you can file a dispute through Online Banking. Just log in, select “Products & Services”, and select “VISA eZCardInfo” under “Debit & Credit Cards.” Next follow these steps:
  1. Select the "Dispute Transaction" link presented under the Transaction Detail section on the Transactions screen.
  2. Complete the form.
  3. Manual or Electronic submission options are available. If 'Print & Save' is selected, this would indicate manual submission has been selected indicating you would be responsible for mailing or faxing the completed dispute form to our offices. 
  4. Click "Submit" to complete & Submit Electronically.
Set it and forget it!  Just log in, on the home page under “Accounts” find your “Visa” credit card tile and select “External.” In the navigation bar select “Payments”, then select “Manage Recurring Payments.” You will need to setup a payment account, if you don’t already have one set up. Once enrolled, your monthly minimum or full payment will be automatically deducted from your account—peace of mind for busy lives.
*Email is not a secure medium for sending account information. Please use "Messages" in Online Banking to send us personal account information. We will never ask you for any personal information including any account information or social security number via email. We will also never ask you to verify your Online Banking Secure Access Code (SAC), do not ever share this code with anyone.


Auto & Personal Loans

You can access your HELOC through home equity checks, Online Banking, mobile app, Call 24, Member Service Center, or any branch.
You can make a payment in any branch, or through Online Banking and our mobile app.

From a UVACCU Account: Simply login, select "Transfers & Payments" and select the "Funds Transfer" tile to transfer funds from another UVACCU account.

From an External Financial Institution: Simply login, select "Transfers & Payments" and scroll down to "Manage External Accounts". From there you will need to link your financial institution via the options provided. Once your external account has been linked and verified, select the "Funds Transfer" tile to transfer funds from the new external account.
Yes! If you’d like to refinance your HELOC or request a higher credit limit, reach out to your loan officer. We’ll review your account and options to find options that work best for you.
Need a different due date to better fit your schedule? Simply visit any branch and we can help adjust your due date so it works better for you.
If a payment is missed, don’t panic. Contact our Member Credit Solutions Team as soon as possible via email* at [email protected] or call 434-956-3821. We can review your options, discuss late fees, and work with you to get back on track. The sooner you reach out, the more options we can offer.
The payment is due date is the 25th of each month.

*Email is not a secure medium for sending account information. Please use "Messages" in Online Banking to send us personal account information. We will never ask you for any personal information including any account information or social security number via email. We will also never ask you to verify your Online Banking Secure Access Code (SAC), do not ever share this code with anyone.

 

HELOC Flex/ Home Equity Loans

You can access your HELOC through home equity checks, Online Banking, mobile app, ITM, Call 24, Member Service Center, or any branch. 
Your draw period is the time you can borrow against your line of credit, 10 years. After that, your repayment period begins, which lasts 20 years. You can also check your loan documents for exact dates.
Yes! If you’d like to refinance your HELOC or request a higher credit limit, reach out to your loan officer. We’ll review your account and options to find what works best for you.
If you want to convert a fixed-term home equity loan to a HELOC, our team can walk you through the process, explain any fees, and help you decide if it’s the right move for your needs.

Contact & Support Options

  • Start with live chat or our virtual assistant whenever it’s available. It’s usually the quickest way to get simple questions answered.
  • Give us a call if you’d rather talk to someone directly. We can connect you with loan‑servicing or Member Credit Solutions support depending on what you need.
  • Send a secure message from your account if you prefer to write things out or need to share details privately.
  • Set up an appointment to speak with a representative in person or by phone. Just keep in mind that appointments can’t be booked online.

Payment Help & Financial Hardship

We understand that life happens, and we’re here to work with you so you can stay on track without feeling overwhelmed.

Here’s how to get started:
  • Request payment relief by reaching out to us. We’ll walk you through your options and help you figure out what makes the most sense for your situation.
  • Use Skip a Pay if it’s available for your loan. It’s a simple way to get a little breathing room when you need it.
  • Ask about loan modifications if you need a longer term adjustment. We’ll explain the process and help you understand what to expect.
  • Explore financial wellness resources through GreenPath Financial Wellness. You can get back on track with helpful tools, practical guidance, and support from certified financial counselors who are trained to help you navigate your options and build confidence in your financial plan.
  • Work with a caring certified financial counselor to develop a customized financial plan to help you get back on track. Financial counseling services, provided by our partners at GreenPath, are free, confidential, and collaborative. 
  • Learn more about the steps you can take if you are facing a financial emergency.

Security & Fraud Alerts

  • If you see unauthorized activity call us or visit a branch immediately. We’ll help you review the issue and secure your account.
  • Report a lost or stolen card immediately by calling us or visiting any branch. The sooner you tell us, the faster we can protect your account.
  • Freeze or lock your card using Card Controls on our mobile app.