Make Your Payment
ACU has a number of options to make managing your loan easy. Explore a few options below or choose your quick link here.
Check out our NEW Flex payment options!
Quick Payments with Loan Pay
The quickest method for making a payment is to use the Loan Pay feature available from our home page. Simply click the link to make immediate one-time or recurring payments from another account. You can also access the portal through the mobile app or through this link.
- Visit ArapahoeCU.org
- Look for the "Loan Pay" button.
- The payment page will be fairly easy to use, but let us know if you need absolutely anything!
Flex Your Payments
Make always on-time payments while spreading out the funds throughout the month. Our Flex option allows you to essentially split your payments up throughout the month. Your lender or service will always be paid in-full and on time. You don't have to lose an entire paycheck with little or nothing to spare.
For standard payment to an ACU loan, Loan Pay (shown above) is the way to go. If you are managing multiple payments and want that extra flexibility, check out the details of Flex!
Pay in Person
Co-Op Shared Branching allows ACU members to visit almost any Credit Union in the United States and make payments, deposits and withdraw funds!
To take advantage of this convenient payment option, all you will need is a valid government ID and your ACU account number. To make a payment, feel free to stop by one of our branches (we have night deposit) or use this link to find the closest service center locations:
Direct From Paycheck
Another convenient and worry free way to make your payment would be to set up Direct Deposit with your employer.
Once the direct deposit comes in, we can schedule an internal automatic transfer from your share account towards your loan.
- First, talk to your employer about sending all or part of your paycheck to your account here. To do this, you will need:
- The routing number for ACU which is 307076342
- Your account number (contact us by phone if you need this)
- You can also use this form (tap here)
- After this comes in, you can either transfer directly to your loan, set up automatic transfers or contact us to automate everything
Please note, if you are planning on mailing in your payment, be aware that we no longer send loan coupons. You can still mail us your payment, but please be sure to reference your account number and loan type in the check memo line. You can mail all payments to the following address:
Arapahoe Credit Union
3999 E Arapahoe Rd
Centennial, CO 80122




