Go to Homepage

We want to make things easier for you!

Message Pay is the quick, easy way to make a payment to your EMCCU loans or credit cards from any external account. You can pay from your smart phone, tablet, laptop, or home computer. 

Make a Payment


1. Verify Your Account

account lookup screen on message pay

2. Create 4-Digit PIN

create a 4 digit pin screen on message pay

3. Add Payment

add a payment option screen on message pay


How it Works

  • Once you sign up for Message Pay, you will receive a text message informing you of the amount due on your loan. You will be able to review your payment options, or you will be able to opt out of our text message service by texting “STOP.”
  • The link will take you to a portal where you will be asked to verify your account with your account number and date of birth.

When you verify your account for the first time you will have to setup the following:
  • 4-Digit PIN: Once you have entered your account number and date of birth, it will prompt you to create a 4 digit pin. Store this information in a secure place as you will need this pin number to verify future payments.
  • Preferred method of payment: To make a payment you will have to add your preferred form of payment in the portal. You can do this by selecting Add new debit card or Add new bank account which will prompt a secure website for you to input your information. If done correctly, there will be a message stating ‘Payment Method Success’ and you will be redirected to the payment portal.
  • Once your account has been successfully verified, you will be directed to the payment portal where you’ll be able to see all of your loans and will also be able to select your preferred payment method.

Frequently Asked Questions

Can I make a payment on my loans through my online and mobile banking account?
Log in to your online and mobile account using your smartphone, tablet or desktop and select ‘Make a Payment’ from the menu bar located on the left. This will take you to the payment portal where you will have to verify your account. Please note, this feature on the mobile app is currently pending. 

If I opt out of receiving text messages will I still be able to pay my loans online?
Yes, you will have to access the payment portal through our website or online and mobile banking. However, you will not receive any text notifications regarding payment reminders and will not be able to make a payment via text message.

How can I pay my account via text message?
Once you receive a text reminder, you respond “Pay” to the same text. You will be asked to enter your pin to verify your account, once you have completed this process your payment will be complete and you should receive a confirmation text. Please note: you will have to setup a 4 digit pin and preferred method of payment prior to using text payments.


  • There is no transaction fee.
  • Encrypted information guarantees your information is secure.
  • Convenient ways to pay from an external account: text, website, online/mobile banking.
  • Payments accepted from checking accounts, savings accounts and debit cards.

If you have any questions, please contact the credit union by calling (626) 444-0501.


asi logo

Your savings insured to $250,000 per account. This institution is not federally insured, or insured by any state government.