Skip-A-Payment

In these difficult times, we are here to help you free up cash to cover unexpected financial challenges due to the coronavirus (COVID-19) pandemic. Qualified Skip-A-Payments will allow most members to skip loan payments for up to 90 days* and a credit card payment for 30 days* at no cost. Applying for a Skip-A-Payment is quick and easy. Simply fill out the form below and submit it electronically.

Note: Before submitting your Skip-A-Payment application, be sure to cancel any external automatic payments that are currently set up through Xpress Online Banking, Bill Pay, or other financial institutions in order to avoid any unexpected deductions. Make sure to resume your automatic payments after the skipped month(s) has passed.

If you have made a payment on your loan today, you must wait 24 hours to apply for a Skip-A-Payment for your next loan payment period.

Upon submittal of this application, you should receive a confirmation message via the email that you provide below. If you do not receive a confirmation message within a few minutes of submittal, please re-submit, as this means your application did not go through.

In order to qualify for Skip-A-Payment:

  • The first loan payment must be paid.
  • There must be at least two months between your last skip and the date of your new Skip-A-Payment application. In other words, the previous month was a regular payment to your loan or credit card. A maximum or three skip payments are allowed per qualified loan every 12 months.
  • You must be in good standing with all credit union accounts and your loan or credit card must be less than 30 days delinquent.
  • You must have full coverage insurance on your vehicle loan.

Account Information

We will honor your request as long as the loan is under 30 days past due at the time of application. Please allow several business days for your request to be processed.

Basic Information
Other Information

By your electronic signature above and submitting this Skip-A-Payment request, you agree to the Loan Extension Terms and Conditions, which amend your Consumer Loan Agreement.

*Some limitations may apply. Excludes FastCash, Mortgage Loans, and Lines of Credit. Contact the credit union for full program details.

Frequently Asked Questions

What is Skip-A-Payment?

Skip-A-Payment is a program that allows you to skip your monthly payment on your auto, boat/RV, personal loan, or credit card.

Am I eligible for Skip-A-Payment?

Members who are in good standing with loans in active status that have not utilized Skip-A-Payment previously are eligible.  Loans and credit cards that have utilized Skip-A-Payment in the past must have a minimum of one payment between skips and must also be in active status. Loans not eligible for Skip A Payment include: Lines of Credit (LOCs), FastCash loans, and mortgage loans.

How do I submit a Skip-A-Payment application?

Skip-A-Payment applications can be found by selecting 'Submit Application' above. Once you have completed your application, simply click 'Submit.'

Is there a fee to skip my payment?

No, we are waiving all fees for Skip-A-Payments due to the coronavirus (COVID-19) pandemic and the financial challenges you could be encountering.

How will my loan or credit card be impacted?

The payments that you skip for your loan, will be added on to the end of your loan term, therefore extending the term of your loan. Interest will continue to accrue during the months that you skip for both loans and credit cards.

How far in advance of my loan payment due date must I submit my Skip-A-Payment application?

You can request the skip as long as your loan is less than 30 days past due.

How many times can I skip my payment?

You are able to utilize the Skip-A-Payment programs as long as you made your previous regular payment and as long as you continue to meet the eligibility requirements.

What if I have automatic payments in place?

Before submitting your Skip-A-Payment application, be sure to cancel any external automatic payments that are currently set up through Xpress Online Banking, Bill Pay, or other financial institutions in order to avoid any unexpected deductions. Make sure to resume your automatic payments after the skipped month(s) have passed.