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Need Space in Your Budget?

Skip-A-Pay allows you to skip a single loan payment on a pre-existing, USSFCU loan*. Login to Online Banking now to get started. View complete Skip-a-Pay terms and conditions below.

Take advantage of the Skip-A-Pay Today!

  1. Log in to online banking
  2. Select the “Services” tab
  3. Select “Skip a Loan Payment” and click “Continue”
  4. Check the loan that is eligible and click the “Submit” button

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

Earn Smart Reward Points

Earn points for everyday spending when you use your USSFCU Smart Rewards Visa® Card. Points can be redeemed for travel, gift cards and cash!

Smart Rewards Points are:

  • Earned for every USSFCU Smart Reward purchase, except cash advances or balance transfers
  • Not subject to any sign-up, use, or maintenance fees
  • Not limited to any specific retailer’s goods or services
  • Smart Rewards points expire after 36 months

Redeem Smart Reward Points

Establish your rewards account, redeem, track and manage points online 24/7 by visiting the Smart Rewards Center. Members can also call the Smart Rewards Center at 877.909.1450, Monday-Friday, 6am-6pm (Pacific Time) for assistance with their rewards account.

View the Smart Rewards Brochure Smart Rewards Agreement and Disclosure for additional information on USSFCU's Smart Rewards Visa® Card.

Block and Report a Lost or Stolen Card.

Skip-A-Pay is a member rewards program that allows a member to skip a single loan payment on an eligible loan.

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. Extending the term of the loan may negatively affect any GAP coverage.

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.

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.

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 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. Request the Skip-a-Pay service through CU AnyHour. A $25 fee is charged. Please consult our fee schedule for additional details.

Members' Voice Testimonials

USSFCU puts members first and helps people. Compared to U.S. banks, which forget their humble beginnings and often behave like (they are) above the law. Credit unions seem to have maintained their purpose and USSFCU is among the best. I am proud to be a member and grateful for the service provided by USSFCU.

I've been a member for about 31 years now and I've always been able to count on the USSFCU when I've really needed them.

Excellent customer service. Staff are knowledgeable, responsive and able to provide individualized help. I live in another state and am still amazed how easy it is to use USSFCU for all my financial needs. It has always been this way and with technology solutions, it is easier than ever. But it is the personal assistance that really makes the diffe...

Been a member for a very long time. I have always been treated with kindness and expertise. Keep up the good work!

Love the phone calls regarding possible suspicious activity with my account. It's reassuring to know that everything is safe.

I would recommend the USSFCU based on the excellent customer service I have received from the Senate Credit unions I have visited (Eisenhower and GAO).

Accessibility and customer service have been exceptional. I have been a member for almost 40 years and have always been satisfied with the service and professionalism of the staff.

USSFCU cares about those who bank with it and that caring is not lip service but translates into action.

I have been with the credit union for almost 15 years and all in all am extremely pleased with the service I have gotten. Definitely better than any bank.

Very personable, solution based and takes in interest in your situation.

Unfailing service by dedicated staff. I feel that USSFCU has my back. Staff has gone to bat for me whenever needed. I'm not aware on any mistake or inconvenience in my 30 years of membership. Excellent long term leadership, continuity and service by board.

Easy to become a member and superb customer support. I dealt with two different USSFCU representatives and they were fantastic. I was able to reach them immediately or if they were tied up they contacted me as soon as they became available. They helped me open an IRA and answered any and all questions with great attitudes and professionalism. They ...

The credit union provides relatively good services and the security updates to the system are noticeable.

It took a matter of minutes to open the account and purchase a CD. The credit union that I have done business with for about 40 years took more than a week to close a joint account and transfer the funds to a new account when my husband died.

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

I am very satisfied to belong to this institution and whenever I need support it is good to know that I count on you.

This credit union is the best, I love the customer service and you can?t beat the interest rates. And I?m happy to be a member of this great credit union.

Great staff helping all the time. Just a very well run company always good service.

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