Skip-A-Payment

Skip-A-Payment

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 your myUSSFCU Online Banking account now to get started. View complete Skip-a-Payment terms and conditions below.

Take advantage of the Skip-A-Pay Today!

  1. Log in to myUSSFCU online banking
  2. Select the “Skip a payment” tab from the menu
  3. Select an eligible loan. Only eligible loan types will be displayed.
  4. Review and accept terms and conditions
  5. Process your skip

Don't currently have a loan with USSFCU? Click below to get started.

Apply Now

*Certain restrictions apply. All Skip-A-Pays are subject to USSFCU’s approval. 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.

Payment extensions through our Skip-a-Pay program are not available on Homeowner Loans, Home Equity Loans, Home Equity Lines of Credit, Home Improvement Plus, Home Improvement Unsecured 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 6 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 loan due date and up to 5 days after 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 Dormant, bankrupt, charge off, delinquent, over limit or accounts with an out of date address are ineligible.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.

Questions about our Skip-a-Pay program? Call us at 800.374.2758.

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

- James · Locust Grove, GA

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

- Larry · Cumberland, MD

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

- Eliza · Washington, D.C.

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

- Charles · Upper Marlboro, MD

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

- Denise · Washington, DC

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

- David · Silver Spring, MD

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

- Manuel · Bowie, MD

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

- Misty · Brookings, OR

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

- Tamra · Denver, CO

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

- John · Fort Washington, MD

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

- Bernard · Richmond, VA

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

- Erwin · Ellicott City, MD

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

- Ruth · Takoma Park, MD

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

- Jacquelyn · Sanford, FL

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

- Jamie · Washington, DC

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

- Kathleen · Ukiah, CA

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