When you make your Visa credit card or first mortgage payment using RCU Online, by calling into RCU's Member Service Center, or in an RCU Branch, your payment will be posted to your loan by the end of the business day following the day you initiated the payment. The payment will be effective dated back to the date you initiated the payment. For example, if you make your payment on Monday at 6:00 PM, your payment will be posted by the end of Tuesday with an effective date of Monday.

Payments received after 11:00 PM are considered to be initiated on the next business day