Need Space in Your Budget?
Skip-A-Payment (also known as Skip-A-Pay) allows eligible members to skip a single loan payment on a pre-existing USSFCU loan.
Log in to online banking to get started:
- Log in to your myUSSFCU account
- Click on the "Skip a payment" tab from the side menu
- Select an eligible loan. Only eligible loan types will display
- Review and accept the terms and conditions
- Process your skip
*Not all loans will qualify. View complete details below.
Questions about Skip-a-Pay? Call us at 800.374.2758.
Don't currently have a loan with USSFCU?
Skip-a-Payment Program Details:
*By participating in USSFCU’s Skip-A-Pay program, you request that USSFCU defer your loan payment. You will be required to resume your payments the following month. The skipped payment amount will extend the maturity date of the loan. Interest will continue to accrue during the skipped period.
All Skip-A-Pays are subject to USSFCU’s approval. Payment extensions through our Skip-a-Pay program are not available on Holiday Loans, Homeowner Loans, Home Equity Loans, Home Equity Lines of Credit, Home Improvement Plus, Home Improvement Unsecured, Personal Lines of Credit or VISA® Credit Cards. Extending the term of the loan may negatively affect any GAP coverage.
Only one skipped payment is allowed every 90 days. Only two skipped payments are allowed within the last 365 days. Skip-a-pay is only allowed on loans that are at least six months old with a payment amount greater than $35. Skip-A-Pay may be requested up to the loan maturity date. Skip-A-Pay is allowed up to 30 days before the loan due date and up to 5 days after the loan due date. Skip-A-Pay is only permitted if the current loan payment method is cash, coupon, or auto-transfer. It is not permitted if the loan payment method is by payroll distribution or a scheduled auto-transfer.
Skip-A-Pay is available only to USSFCU accountholders in good standing. Skip-A-Pay is not available on accounts with more than three payments over 30 days late on any loan or with any loan that is more than 60 days late in the last 365 days. Dormant, bankrupt, charge-off, delinquent, over-limit, or accounts with an out-of-date address are ineligible. Members must have $40 available in savings or $35 available in checking accounts in order to use the Skip-A-Pay service.
Fees Do Apply.
- If requesting the Skip-a-Pay service through online banking, a $25 fee is charged.
- If requested through Member Services or at a USSFCU branch, a $35 fee is charged.