Frequently Asked Questions

General FAQs

Soarion Credit Union's routing number is 314085504

Your Member Number is your Account Number. Your member number is provided to you when you join the credit union. If you joined in a Financial Center you would have been given it at that time. If you joined online or at a car dealership, your Member Number was mailed to you in your membership packet.

You can use this form to request that it be emailed to you via secure messaging. Please allow 1-2 business days for your request to be processed. We do not recommend calling to request your number as we currently have extended wait times up to 3 hours.

Member Number Request Form

If you cannot find your Member Number and need it to make your loan payment, you can use this form to request that it be emailed to you. Please allow 1-2 business days for your request to be processed. We do not recommend calling to request your number as we currently have extended wait times up to 3 hours.

Soarion Member Number Request Form

Visit our How to Pay Your Loan page to learn about our convenient payment options.

How to Pay Your Loan

Soarion Credit Union is closed the following holidays.

New Year's Day
Martin Luther King Jr. Day
Presidents Day
Memorial Day
Juneteenth
Independence Day
Labor Day
Columbus Day
Veterans Day
Thanksgiving
Christmas Eve (open until 1pm)
Christmas Day
New Year's Eve (open until 1pm)

You will need the following information to complete an application online or at an Soarion Financial Center:

A valid form of identification (unexpired Driver License, Government or state issued ID, or Passport with current address)
Your complete physical and mailing address (and previous address if at current address less than two years)
Information for funding your new account (credit card or debit card)
Your Social Security Number
If applying for a joint membership/account, the secondary applicant's information

Visit our Application Portal to check your application status, complete tasks, and upload documents anytime.

Digital Banking FAQs

To enroll in or register for Digital Banking you will need your:

Soarion Credit Union Account / Member Number
Social Security Number / TaxID
Birth Date
Email Address
Zip Code

You can register on the web browser version or the Soarion CU mobile app, the process is the same.

If you have lost or forgotten your Account / Member Number, please complete the Member Number Request Form. A Representative will send your Member Number via Secure Messaging. Or you may stop by an Soarion Financial Center during regular business hours for assistance.

Member Number Request Form

Digital Banking supports the last two versions of the browsers listed below:

Google Chrome: Latest two versions
Firefox: Latest two versions
Microsoft Edge: Latest two versions
Safari: Last two major versions
iOS: Last two major versions
Android: v8.0 and higher

Yes, you are able to change your username and password at any time by navigating to Settings.

Adding your external accounts (such as credit cards, mortgages, other bank or credit union accounts) will help give you a better overview of your personal finances.

External account information is updated daily. Note: Some external accounts will not automatically update if the other financial institution requires multi-factor authentication such as SMS text messages or security questions. You will be required to re-enter the login credentials to initiate the refresh:

For mobile app users, navigate to Settings, select the account that needs to be synced, and then select Update Login.
For website users, navigate to Settings under the Profile dropdown (top right of screen), select the account that needs to be synced, and then select the Refresh icon.

Check to see that the log in credentials to the external account are accurate. Some external accounts will not automatically update if the other financial institution requires multi-factor authentication such as SMS text messages or security questions. You will be required to re-enter the login credentials to initiate the refresh:

For mobile app users, navigate to Settings, select the account that needs to be synced, and then select Update Login.
For website users, navigate to Settings under the Profile dropdown (top right of screen), select the account that needs to be synced, and then select the Refresh icon.

Yes. In the web browser version of Digital Banking, select an Account and look for the download icon. You will have the option to download in these formats:

CSV (Comma-Separated Values)
OFX (Open Financial Exchange)
QFX (Quicken WebConnect)
QBO (QuickBooks)

eStatement FAQs

You can have eDocuments or paper statements, but not both.

Switching to eDocuments will save you the $3.00 per paper statement fee.

Yes. About 85% of identity theft cases are due to paper transactions, lost checkbooks and stolen bills, statements and check payments.

Bill Pay FAQs

You should not have to reset any payee information in Bill Pay. However, you are advised to verify your payee information is correct once you login and before you schedule any new payments.

It depends on the merchant receiving the payment. We attempt to send as many electronic payments as possible. However, Bill Pay will inform you how the payment is being sent at the time the payment is being scheduled.

There is no charge to use Soarion Bill Pay.

Bills can be paid from Checking or Money Market Accounts. Bills cannot be paid from the Savings Account.

All payments whether electronic or check will reach the merchant on the date you choose in Bill Pay.

Yes. You can pay your bills online and view recent payments instantly through the Soarion CU Mobile Banking App.

Follow these steps to add a new Biller (a company to be paid).

For mobile app users

Tap "Bill Pay" at the bottom of the screen (also available by navigating to "More" > "Transfer & Pay" > "Bill Pay").
Then select the "Bills" tab at the bottom of the screen.
At the top of the screen, tap "Add Biller".
There you can either select a tile of a popular Biller or start typing the name of the company in the search bar. You will either be presented with a Biller to select, or if the Biller is not in the system, you can add the Biller's information manually.

For web browser users

In the menu, go to "Transfer & Pay" and click on "Bill Pay".
Then select the "Pay Bills" tab.
Click on the "Add Biller" button.
There you can either select a tile of a popular Biller or start typing the name of the company in the search bar. You will either be presented with a Biller to select, or if the Biller is not in the system, you can add the Biller's information manually.

Name Change FAQs

We learned that the name "AFFCU" was an obstacle that caused market confusion over who can join and was not inclusive of the wide range of members we serve and the great value we offer. The Board of Directors made a unanimous decision to change the AFFCU name in order to welcome in more members and support our long-range growth and sustainability.

No. The name change is not the result of a merger or acquisition of any kind. We will continue to be owned by you, our members, just as we are today. In fact, we have changed our name twice before since we first began in 1952 as Lackland Air Force Base Federal Credit Union.

The new name presents wide open opportunities to honor our proud roots and tell our brand story in fresh new ways. The name “Soarion” is a combination of “Soar” (to fly high) and “orion” (a prominent constellation representing guidance.) We’re here to help every one of our members fly higher than they ever have before.

We spent many months working with a team of Management and Board of Directors under the guidance of an experienced and respected national financial branding firm. We launched the new name on April 2, 2024.

On April 2, 2024, AFFCU officially changed its name to Soarion Credit Union. Changes in our branches from signage, plastic cards and merchandising may take a few additional months following that date.

There will be no impact to your existing relationship with us, accounts, or any changes to your day-to-day banking. Changes to our exterior signage, brochures, stationery, and a rebranded website began April 2, 2024.

Yes. The credit union will remain 100% owned by you, the members.

The employees that you’ve grown accustomed to serving you will be here ready and on point to provide the personalized service that you expect.

Our current field of membership encompasses anyone who lives, works, worships, or attends school in qualified areas of San Antonio and Del Rio, TX.

No, your account numbers, usernames, and passwords will remain the same.

No. Everything will stay the same. Our routing number 314085504 will not change, and your account number(s) will remain the same. It is not necessary to take any steps to update automatic payments or direct deposit.

Rates and fees will not be affected by the name change. We will continue to monitor our highly competitive rates and lower fees as we always have to ensure high value and return to our members. Rates and fees do fluctuate, as they adjust in response to market conditions.

Yes. Our Federal charter will remain unchanged and we will stay a Federal Credit Union even though we will remove Federal from the name and logo. Federal in our name has been confusing to many consumers, leading them to believe we serve only people employed by the Federal Government. The removal of Federal also shortens the name which makes it easier to use (e.g. brand signage, etc.)

Yes. Deposit accounts for each share owner remain federally insured up to $250,000 by the National Credit Union Share Insurance Fund.

Yes. Your credit card will still work as it always has. Your debit card and PIN will continue to work as they always have. In the months following the name change, we will reissue credit and debit cards with the updated name and new contactless technology.

Yes. You can continue using your existing checks until they run out. Upon reorder you will see the credit union’s new name and logo on your checks.

In most cases, your documents will be unaffected by the name change. Please contact us if you have specific questions about your legal documents.

Loan payments (or any checks payable to the Credit Union) will be accepted to AFFCU for the duration of 2024.

All phone numbers will remain the same. Our new website address will be soarion.org. You won’t have to do anything, since the current website address and email addresses will automatically redirect you to the new addresses for the duration of 2024.

No, nothing will change, and your current credentials will work. Users of our Mobile Apps for iOS and Android will be prompted to update their App on or around April 2, 2024. Eventually, members with a saved bookmark to our old website will need to be updated to our new website. We will assist with this process.

No. Our Financial Centers will continue to be open and available to you the same days and times that you expect.

There will not be any changes to the statement cycle. Keep a watch in your mail for our new statement stationary with the new name beginning in May 2024.

We consider the costs associated with changing our name to be a smart investment in the future of our Credit Union. Some of the costs simply shift to using the new name and logo in print. The new name is an investment that will help us serve more families in our communities and fulfill our mission to empower people through our care and guidance.

Please stop by our office during business hours, call (210) 673-5610 or visit our website at www.soarion.org

Skip-A-Pay FAQs

Vehicle Loans (Car, Truck, Motorcycle, ATV, Boat, Jet Ski, Watercraft, RV, Fifth Wheel) and Signature Loans are eligible for Skip-A-Pay.

You can request Skip-A-Pay two (2) times per year. You must have a minimum of six (6) full monthly payments before requesting a Skip-A-Pay. There is a limit of four (4) skips per the life of the loan.

Skip-A-Pay requests must be submitted within Digital Banking. Log in to Digital Banking (Web Browser or Mobile App). Go to Transfer & Pay > Skip-A-Pay. Select the Loan (if you have more than one eligible loan) and click the Skip button.

Skip-A-Pay costs $25. This amount will be charged to the principal balance of the loan.

The following loans are NOT eligible for Skip-A-Pay: VISA^®, Line of Credit, Mortgage, Home Equity, Home Improvement, Real Estate, Purchase Money Second, IHI, Single Payment, Lease Loans, IFS Insured Auto, Dealer Prodigy, Alternate Solution, Single Pay Share and Share Certificate Secured Loans.

Now you can request Skip-A-Pay up to two (2) times throughout the year, not just in the summer or during the holidays.

Allpoint ATMs FAQs

The Allpoint Network is a surcharge-free network of ATMs with over 55,000 locations throughout the United States, Canada, Mexico, Puerto Rico, United Kingdom and Australia. Because our financial institution is a member of the All point Network, these locations are free for Soarion Credit Union members.

Allpoint ATMs are located in many popular retail stores such as Target, CVS Pharmacy, Walgreens, Costco, Circle K and more.

Finding an Allpoint ATM near you is easy! You can search for an ATM on our Locations & ATMs page or tap ‘Locations’ in Digital Banking.

Allpoint ATMs are completely surcharge-free for Soarion Credit Union members.

Yes! Use your current Soarion Visa^®Debit Card to gain Allpoint surcharge-free access at over 55,000 ATM locations worldwide. No additional sign-up or action is required.

Many Allpoint Network machines look like they are operated by other credit unions or banks, however, all Allpoint ATMs on locator are part of the Allpoint Network and are surcharge-free for Soarion Credit Union members. Just look for the Allpoint logo on the ATM.

No - the surcharge screen is there to notify customers of other financial institutions who are not participating in the Allpoint Network. Just press "Yes" to accept the fee and continue with your transaction. Soarion Credit Union members won't be charged.

Deposits are only accepted at our select Allpoint+ locations. Finding an Allpoint+ ATM near you is easy! You can search for an ATM on our Locations & ATMs page or tap ‘Locations’ in Digital Banking.