Some Months Need the Money More Than the Loan Does
Eligible ACU auto and personal loan members can skip up to two payments a year, right from online banking, for a $30 fee per skipped payment. No branch visit, no paperwork, no hit to your credit.
Skip a Payment in About a Minute
Every loan eligible to skip shows automatically in online banking. If you see the option, your loan qualifies.
Choose Your Loan
Pick the auto or personal loan you want a month off from, then select Skip a Payment under Transfer Details.
Confirm
Select Yes, then Transfer Now. The $30 fee comes out of your checking or savings, and this month's payment is deferred.
The Full Picture, No Fine-Print Surprises
Skip-a-Pay is a tool, not a trick. Here is exactly what it gives you and exactly what it costs.
A Full Payment Freed Up
The money that would have gone to your loan stays in your account this month, for car repairs, travel, holidays, or catching your breath.
Your Credit Stays Intact
A skip is an approved deferral, not a missed payment. It is never reported as late and will not lower your credit score.
Entirely Self-Service
The whole request lives in online banking. No form, no call, no branch visit, and eligible loans show the option automatically.
Twice a Year, Not Twice a Row
You can skip up to two payments in any 12 months, but not in consecutive months. It is a breather, not a habit.
A Flat $30, Nothing Hidden
Each skip costs $30, deducted from checking or savings when the request processes. Interest still accrues and your loan term extends by the skipped month.
Auto and Personal Loans Only
Mortgages and home equity loans are excluded, and a skip may affect GAP or other insurance products. Check with your insurance provider first.
“Our transmission went out the same week as back-to-school shopping. I skipped my auto loan payment from my phone in the school parking lot. Thirty dollars for a month of breathing room was the easiest decision I made all year.”
Frequently Asked Questions
Terms and Conditions
Skip a Payment requests are based on approval criteria established by the credit union. All loans eligible to skip their payment will automatically show on Online Banking. A fee of $30 will be deducted from a checking or savings account for this service at the time the request is processed. This fee will not be charged against any minimum balance requirements. Acceptance of this offer will extend the term of the loan and interest will continue to accrue. Mortgage and home equity loans are excluded from this program. A maximum of two payments in the past 12 months may be skipped. No consecutive skips (two months in a row). This service is subject to change without notice and other restrictions may apply. Skipping a payment may affect GAP and other insurance products; check with insurance provider for full details and conditions.
One Less Payment This Month, One Minute of Your Time
If your auto or personal loan is eligible, the option is already waiting in online banking.
Log In to Skip a Payment