Make a payment

Pay Your First or Second Mortgage

There are many options available when it comes to paying your first or second mortgage. Learn how to make a payment and set up scheduled payments.

• Online Banking
  To make a one-time payment:

  1. Log in to your TruWest online banking account
  2. Select the mortgage loan you’d like to apply a payment to
  3. Click Make a Payment from the top menu
  4. Click the New Payment Button
  5. Fill in the payment information and continue
  6. Confirm your payment information
  7. You’re done!

  To set up regularly schedule online payments, a request form must be completed by either:

  Mail:
  TruWest Credit Union
  c/o Midwest Loan Services
  P.O. Box 144
  Houghton, MI 49931-0144

  Fax:
  (906) 487-5869

  Email form:
  call 1 (800) 262-6574 to set up
• Pay by phone
  Make a payment over the phone by calling
  1 (855) 479-9009 from 8 a.m. to 8 p.m., Monday-Friday.

• Pay by mail
  Make checks or money orders payable to: TruWest Credit Union, and mail your payment coupon to:

  TruWest Credit Union
  c/o Midwest Loan Services
  P.O. Box 144
  Houghton, MI 49931-0144

  Be sure to mail your payment 5 to 7 business days ahead of your due date to allow plenty of time to reach us before the payment due date.

• Pay at the branch
  You can make a mortgage payment at any one of our convenient branch locations.

Additional Services

• Recast¹
  Recasting your mortgage is a great option if you’re looking to lower your monthly payment after making large payments to your principal. A mortgage recast takes your remaining balance and redistributes the balance over the life of your mortgage, which may result in a lower monthly payment.

  To see if your mortgage qualifies for a recast or if you have other questions about recasts, call us at 1 (855) 841-9203 to speak with a TruWest mortgage loan originator or email us.

• How to cancel your mortgage insurance¹
  The eligibility requirements for canceling your mortgage insurance can vary depending on the following factors:

  1. Type of mortgage
  2. Current Loan-to-Value (LTV)
  3. Applicable guidelines

  To see if you are eligible and/or to start the mortgage insurance cancellation request process:

  By phone: 1 (800) 262-6574
  By email: info@midwestloanservices.com
  By mail:
  Midwest Loan Services
  616 Shelden Ave, Ste 300
  Houghton MI 49931

• Get in touch with a credit bureau agency
  Contact a credit bureau agency to freeze or unfreeze your credit, submit a dispute and other credit report-related inquiries.

  Equifax
  equifax.com
  1 (866) 349-5191

  Experian
  experian.com
  1 (888) 397-3742

  TransUnion
  transunion.com
  1 (800) 680-7289

Pay Your HELOC

There are many options available when it comes to paying your HELOC. Learn how to make a payment and set up scheduled payments.

• Online Banking
  There are two ways you can make a payment online:

  Pay with your TruWest Account

  1. Log in to your TruWest online banking account
  2. Click on the Pay button next to the loan you wish to pay
  3. Select which account you would like to make the payment from
  4. Choose the payment date
  5. Select either minimum due or input a different dollar amount
  6. Select Make transfer
  7. You’re done!

  Pay from another financial institution

  1. Have your financial institution’s routing number and loan number ready
  2. Log in to online banking
  3. Under Helpful Links, select Pay my loan/credit card
  4. Select Make a payment, enter the dollar amount, your TruWest account number, loan suffix (you can enter a nickname here, which is optional), payment frequency (monthly or one-time) and the date you wish to make the payment
  5. Select Continue
  6. Enter all required information under Payment Information, including your TruWest account number and loan number on the last two lines
  7. Under Account type, enter the outside financial institution’s account number and routing number.
     Pro tip: if this is your preferred method of payment, we recommend you set up a password for future payment requests
  8. Select Process
  9. You’re done!

  Don’t have a TruWest online account yet? Don’t worry, it’s easy to set up. Click here to sign up.

• Pay by phone
  Make a payment over the phone by calling
  1 (855) 878-9378 from 8 a.m. to 5 p.m., Monday-Friday.

  Pro tip: Have the following information ready:

  1. Routing number and account number of the financial institution (where the payment will be initiated from)
  2. TruWest member number and loan number
• Pay by mail
  Make checks or money orders payable to: TruWest Credit Union and mail your payment coupon to:

  TruWest Credit Union
  P.O. Box 78637
  Phoenix, AZ 85062-8637

  Be sure to mail your payment 5 to 7 business days ahead of your due date to allow plenty of time to reach us before the payment due date.

• Pay at the branch
  You can make a mortgage payment at any one of our convenient branch locations.

Payoff Requests

Choose your loan type below to start the payoff request process.

• First or Second Mortgage Payoffs
  You can request a first mortgage payoff quote:

  By mail:
  Midwest Loan Services
  P.O. Box 188
  Houghton, MI 49931

  By phone: 1 (800) 262-6574 from 8 a.m. to 8 p.m., Monday-Friday.

  By fax: 1 (906) 483-4385

  By email: payoffs@midwestloanservices.com

• HELOC Payoffs
  You can request a payoff quote for your 2nd mortgage, home equity loan or home equity line of credit by filling out this form.