Features and Functionality

  • Expanded channels through which members can make payments to include branch, mail, Member Service Representative assisted 1, online  IVR (Interactive
    Voice Response) and SMS
  • Self service payment options available 24/7.
  • Eliminates using or voiding a check.
  • Our payment system is fully protected under the regulations for electronic payments. There are no checks or receipts to get lost or stolen resulting in possible identity theft.
  • Account can be set up with recurring payments eliminating the need for the member to initiate the payment every month thus minimizing the possibility of late fees and/ or negative credit reporting. 
  • Members have the option to pay from a Checking account, Savings account or using our IVR system!
1 A convenience fee of $7.50 for our time processing this transaction over the phone


For your convenience, you can register to set up recurring payments and be able to sign in and track your loan progress along with any payments that have already been made.

Enroll Now

Ways to Pay

As of January 8, 2024, members have the following free options to pay their loan:

  • Log in to Online or Mobile Banking and pay using a First Citizens’ account
  • Pay your loan with another institution’s account via our Online Loan Center. You may pay as a guest or create an account
  • Call 1-844-722-4138 and pay your loan using an account/routing number
  • Visit one of our First Citizens' Branches
  • Mail regular payment checks to: First Citizens’ Federal Credit Union, PO Box 4107 Woburn, MA 01888-4107
In addition to those fee free options, you may call our Contact Center at 1-800-642-7515 to pay your loan for a $7.50 processing fee. We encourage members to take advantage of the options listed above prior to calling a representative.


  1. Payments can only be made to a First Citizens’ Federal Credit Union loan.
  2. Payments will be effective only after the transaction has been validated.
  3. Online payments will be processed within 3 business days and will be made effective the date payment was made.
  4. Any disputed transactions or returned items may result in a $10.00 fee. A payment reversal from your loan may also result in a late fee. (Refer to your loan agreement for details on late payments )
  5. Please retain a copy of the supplied receipt page or email as proof your transaction has been approved.