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We understand that life is sometimes unpredictable and can affect the ability to make loan payments. With Skip-A-Pay, you can choose to skip one payment every 12 months on your personal, auto, home improvement, education, or recreational loans without penalty.
*A $30 processing fee per loan applies. Loan payments cannot be skipped within the first three months of your loan origination date. You can skip only one loan payment per loan per calendar year and regular monthly or minimum payments must resume. Members who have weekly or biweekly payments and have already made a payment within the month when the request is made will not be able to skip the subsequent payment for that month. To qualify, your membership must be in good standing, all loan payments must be current, and eligibility may be subject to credit union approval. All co-signer(s) and/or co-borrower(s) must sign this form. Offer does not include Visa® credit cards, Easy Cash lines of credit, mortgage loans, mobile home loans, home equity loans, home equity lines of credit, vacation loans, holiday loans, and any share secured loans including Visa share secured. This form must be received at least three business days prior to your payment due date to take advantage of this offer. Finance charges (interest) will continue to accrue on a daily basis during the month the payment is skipped. Deferral of the regular or minimum monthly payment(s) will result in having to pay higher total finance charges (interest), and the loan repayment schedule will be extended. Under some circumstances, the payment may not cover the finance charges (interest) that accrue and “negative amortization” may occur.