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Can I skip my car loan payment?

Life is full of twists and turns. Sometimes even the car loan payment can seem like a stretch. Guess what? You can use the Skip a Pay option to skip your car loan payment up to twice a year.

For every loan you skip, there is a $30 fee that goes back to our community. Since this money stays local, you’re not only getting a little extra spending money, you’re also helping to support community programs.

Can I defer my car payment?

Yes. If you are a member in good standing, you can skip a loan payment whenever it fits your needs up to once every six months on your qualified loans.*

How often can I use Skip a Pay?

One skip per qualified loan every six months. Normal payment schedule will resume on the month following the skip.

Does using Skip a Pay impact my credit score?

Skip a Pay does not count against your credit like a missed or late payment. Skipping a payment may extend the term of the loan. Interest will continue to accrue per your original loan agreement during the skip period.

Can I use Skip a Pay on my first car payment?

Loans must have been funded at least 90 days prior to skip and three months of payments must have been made in order to be eligible.

How can I skip a loan payment?

Here’s how simple it is.

  1. Log in to Online Banking (You can easily do that at the top of the page or register for Online Banking)
  2. Select the Loans/Payments tab
  3. Click Skip a Pay
  4. Select your eligible loan
  5. Select the month you want to skip

Enjoy the freedom of some extra cash while knowing you’re helping your community.

You can also visit your favorite branch or give us a jingle at 800.433.1837.

Today's Rates

September 24, 2020

Home Equity Line of Credit

as low as 3.50% APR


as high as 1.00% APY

Visa Rates

as low as 7.99% APR

Auto/Truck (New/Used)

as low as 1.99% APR

Bonus Checking

1.05% APY