Give Your Budget a Little Breathing Room!
The last few months of the year can get expensive fast. Holiday shopping, travel, family gatherings, and all the extras that come with the season.
ACU’s Fall & Winter Skip-A-Pay can help give your budget a little extra room when you need it most!
Eligible members can skip one month of loan payments during October, November, OR December 2026. (See below for details.) Only one month may be skipped per eligible loan.
Whether you’re getting a head start on holiday shopping, planning a trip, or just want a little extra cash in your pocket, choose the month that works best for you!
Skipping is quick and easy!
Our Skip-A-Pay process is completely online. Paper forms are no longer accepted.
Online Banking (Web Browser):
Log in and click “Skip-A-Pay” from the top menu.
ACU Mobile App:
Select “Skip-A-Pay” from the menu bar at the bottom of your screen.
You choose the month. We’ll help you skip the payment.
Enjoy a little more flexibility this fall and holiday season with ACU Skip-A-Pay!
Disclosures:
Eligibility: Only auto, RV, motorcycle, boat, and personal/signature loan payments may be skipped. Other loan types are not eligible.
Requirements:
In order to qualify, all of your ACU loans and accounts must be in good standing, and you cannot have caused the credit union a loss. The first contractual payment on your loan(s) must have been made prior to the skipped month.
Fees: $30.00 per loan. The online application will allow you to pay your fee from one of your ACU accounts or with a non-ACU credit or debit card.
Other Terms & Conditions:
Participating in this program may extend the length of your loan and reduce the amount of GAP coverage. Interest, Credit Disability, Loan Life Insurance, and Debt Protection premiums (if applicable) will continue to accumulate on your loan(s) during the month you skip your payment. Note: No applications will be accepted within 3 business days of an ACH Payment Origination. If you receive a message stating "Cutoff period for next ACH payment has already passed and is unable to be cancelled," please try resubmitting your application after your payment date to skip your next payment. Promotional dates still apply. Offer ends December 22, 2026.
Other Questions
What if I've already made part of my payment this month?
A: Any partially made payments will be carried over to the next month's payment.
What if my payment is made automatically?
A: If your loan is paid out of your direct deposit or through payroll deduction, we will post your normal loan amount to your checking or regular share account instead. If your payment
is automatically withdrawn from an external bank account, we will attempt to prevent the payment from pulling until your next due date. Automatic transfers will be canceled for the skipped month and resumed prior to your next payment.