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Need a break?  Skip a loan payment!

Y-12 FCU's Skip a Payment benefit allows you to make no payment on your loan(s) for one month of your choice without being considered delinquent. Skip a Payment allows you to:
  • Free up cash
  • Take a vacation
  • Cover unexpected expenses
  • and more!


You must hold a loan for at least 6 months and it must be in good standing. Some loans excluded. There is a small fee of $50 per loan to take advantage of this service. ACH payments from another institution require 10 calendar days prior to due date for processing.  Interest will continue to accumulate on your loan during the month that you skip a payment. 

Request a Skip Payment
You may request to skip a loan within your Y-12 FCU online banking by clicking the Services tab.  You may also request this in our mobile app. All qualified loans will be listed.  Some exclusions apply to include but not limited to Home Equity lines of credit.

You may also visit a branch location to request a skip payment.

Skip Payment Eligibility Requirements
Skip Pay Terms and Conditions