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Need a break?  You may qualify to 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. 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.  Skipping a payment will extend the term of your loan and interest will continue to accumulate on your loan during the month that you skip. Some exclusions apply to include but not limited to Home Equity lines of credit, home mortgage loans and VISA credit cards. 

Does your loan qualify?
It's easy to see if your loan is eligible to skip a payment! All qualified loans will be listed within your online banking account (under the Services tab) and on our mobile app.  

You may also visit a branch location or contact our Member Service Center to see if your loan qualifies. 

Skip Payment Eligibility Requirements
Skip Pay Terms and Conditions