Routing Number: 3221-7458-8
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A Little Holiday Breathing Room

Qualified members can skip one monthly payment. Apply before your due date. $25 processing fee; interest accrues.

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How It Works

  • You may request to skip one monthly payment per eligible loan during the holiday period.
  • A non-refundable $25 processing fee applies per request, per year.
  • Interest continues to accrue during the skipped month and your loan term may extend.
  • Your request must be received and the fee paid before your normal payment due date.

Eligibility & Restrictions

  • Member must be in good standing with all accounts current.
  • At least three (3) payments must have been made on the loan you wish to skip.
  • No previous Skip-A-Pay or extension on that loan within the last 12 months.
  • Not eligible on real estate secured loans (mortgages, home equity), credit cards, or Member Business Loans.

How to Apply

  1. Complete the online request form or pick up a paper form at any branch.
  2. Pay the $25 processing fee when you submit your request.
  3. We’ll review your eligibility and confirm once the skip has been applied.
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FAQs

Will this hurt my credit?

Approved skips are applied as a due-date extension and are not reported as missed payments. Continue paying other loans as scheduled.

Can I skip more than one payment?

No. Only one Holiday Skip-A-Pay per eligible loan per year is allowed.

What happens to interest during the skipped month?

Interest continues to accrue. Your loan payoff may take longer and you may pay more interest over the life of the loan.

Which loans are not eligible?

Mortgages, home equity loans, credit cards, and Member Business Loans are not eligible. Other restrictions may apply.

Important Disclosures

Skipping a payment does not cancel your obligation. Finance charges will continue to accrue at the contract rate on the unpaid balance. Skipping a payment will extend the term of your loan and may increase the total finance charges paid. All requests are subject to approval and account standing. Program, terms, and fee are subject to change without notice.

Federally insured by NCUA. Equal Opportunity Lender.

Apply Online - Holiday Skip A Pay
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Applying online is easy, however, if needed, you may pick up a printed form at any of our branch locations.