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Skip-a-Payment Sometimes you need a little extra cash

Whether to treat yourself to a well-deserved weekend away or to pay unexpected expenses, Skip-a-Payment may be your best option. 

We’ve upgraded our Skip-a-Payment program to serve you better. This new and improved program puts you in full control. Now, skip the payment of your choice at any time during the year – spring, summer, fall or winter. This flexibility allows you to add extra funds back into your budget when you need them most.

Even better, you can now elect your Skip-a-Payments right inside Online/Mobile Banking! Electing a skip-a-payment has never been easier!

  1. Log in to Online/Mobile Banking.
  2. Look for the code SP. You’ll see it on any loan that may qualify for Skip-a-Payment.
  3. Hover over SP and click More Info. In mobile banking, click > for details.
  4. Follow the prompts to skip your payment.

The Skip-a-Payment program is available for vehicle and personal loans only. You can skip one month’s payment on a single loan or all of your eligible loans. There is a $35 fee for each loan that you elect to skip payments on. Interest continues to accrue during the months your payment is skipped. If you use Direct Deposit or Payroll Deduction for your payments, the amount of any skipped payment will be deposited to your Savings or Checking Account.

If you have questions about the Skip-a-Payment program, please contact us for details.

 

 


Program parameters:  The Skip-a-Payment program is not available for real estate, credit cards, overdraft protection loans, work out loans, lines of credit or business loans. Qualifying loans are personal and vehicle loans that are at least 6 months (180 days) old, are not currently delinquent and have not been 30+ days delinquent two or more times during the life of the loan. Further, all other credit union accounts must be in good standing to be approved. If you elect to participate in the Skip-a-Payment program, you authorize COPFCU to extend your final loan payment by one month. The $35 fee will be deducted from the account you select or your Savings or Checking Account. If sufficient funds are not available in your account(s) to deduct the fee, your skip-a-payment request will not be processed. Interest will continue to accrue on the loan during the month you skip your payment. If your loan payment is made via payroll deduction, the total monthly payment amount will be credited to your Savings or Checking Account in the month your payment is skipped. If you make your loan payment on a biweekly basis, a maximum of two biweekly payments may be skipped. No more than two non-consecutive skip-a-payments will be approved for any qualifying loan during a calendar year. All terms and conditions of the original loan agreement remain in full force except as noted here. Speak with a Member Service Representative for full details.