cefcu bills


What to Do When You Can’t Pay Your CEFCU Bill

CEFCU, Cutting Edge Federal Credit Union, is a financial institution that is owned solely by the members. The non-profit organization provides financial services to customers in Milwaukie, Oregon and Lewiston, Idaho. CEFCU features no monthly checking fee and no debit card fees. The company offers several membership packages including:

  • Journey account
  • Zenith account
  • Pinnacle account
  • Horizon account

How to Pay the Bill

CEFCU provides several methods for customers to pay your bill. The available methods include online bill payment, payments via traditional mail, phone payments and automatic deductions.

Pay online: Customers can pay your CEFCU bill online by visiting https://www.virtualbranchservices.com/PaymentCenter/cuttingedgefcu/. The acceptable methods of payment include credit, debit cards and electronic check. The service is free for CEFCU members.

Pay by mail: Customers can pay your CEFCU bill by sending payments to:

4620SE International Way
P.O. Box 22192
Milwaukie, OR 97269-2192


2200 First St.
Lewiston, ID 83501

Pay by phone: Customers can pay your CEFCU bill by calling customer service at 1-503-653-4392 or 1-208-746-5911. You have the ability to make CEFCU payments with electronic check or direct debit from your checking or savings account.

Automatic deduction: Customers can pay your CEFCU bill by having the funds automatically deducted from your checking or savings account on a monthly basis. You have the ability to schedule CEFCU bill payments up to one year in advance.

Questions About Your Billing Statement or Account?

If you have questions about your billing statement or account, such as annual fees, fniance charges, late payment fees or low balance fees, we recommend you visit the CEFCU FAQs resource page. We also suggest you contact customer service at 1-503-653-4392 or 1-208-746-5911 for additional information.

How the Penalty Fees Work

CEFCU charges several fees as a part of regular business. The fees include miscellaneous fees, loan fees, and credit card fees. The fees are assessed on a monthly basis as well as a non-recurring basis.

  • Low balance – $10
  • Check cashing – $5
  • Insufficient funds – $25
  • Stop payment – $20
  • Credit card annual fee – $15
  • Over the limit – $25
  • Late payment – $10
  • Loan extension – $25
  • Refinance fee – $30
  • Low balance – $1
  • Close account – $10

I Can’t Make a Payment

CEFCU provides a one-time payment assistance program designed to assist customers that can’t pay your bill. The program is the skip a payment program. CEFCU allows customers to skip a loan payment during the months of November, December or January. The fee associated with this program is $25 and the amount is automatically deducted from your checking or savings account. A portion, $5, will be donated to the CEFCU Credit Union for Kids. The application is available on the CEFCU website and must be returned to a local branch in Lewiston or Milwaukie.

Will They Work With Me to Pay My Bill?

Did CEFCU help you when you can’t pay your bill? We want to hear from customers just like you. Sound off and share your comments below.

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