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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! Click below to see the detailed requirements and terms & conditions. You can easily process your request in your online banking account (under the Services tab) or on our mobile app.  All eligible loans will be listed.  You may also visit a branch location or contact our Member Service Center to see if your loan qualifies. 

Skip Payment Eligibility Requirements

After clicking the CONTINUE button, you will be redirected to a web site that is not operated by Y-12 Federal Credit Union. Please review the website's privacy and security policies as they may differ from Y-12 Federal Credit Union.