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Skip-A-Pay

Apply to skip a payment on your loan this holiday season!

The Holidays Are Fast Approaching, so Apply To Skip a Loan Payment Now!

As a member of Central Maine Federal Credit Union, you may be eligible to participate in our Holiday Skip-A-Pay program. You can apply to skip your payment on your credit union loan for one month, and if you have more than one eligible loan, you can apply to skip a payment on each!

Holiday Skip-a-Pay Rules

  1. A processing fee of $30.00 per loan will be deducted from the suffix of your choosing. A skip-a-pay request must be requested by December 31, 2024. If you want to skip your December payment, make your November payment before submitting your application. If you want to skip your January payment, make your December payment before submitting your application.

  2. Loans cannot be past due at the time of request. All Real Estate loans (i.e. Home Equity Lines of Credit, Mortgages, Home Equity Loans, Home Improvement Loans, etc.) and Checking Lines of Credit and Credit Cards are not eligible for Skip-a-Pay. All applications are subject to the Credit Union’s final approval.

  3. Applications should be received at least seven business days prior to loan due date. Interest will continue to accrue on unpaid balances through skipped payment period. When you make your next loan payment, you will see more of the payment applied to the interest if you use Holiday Skip-a-Pay.

  4. If you purchased Guaranteed Asset Protection (GAP) with your vehicle loan, you are limited to two skip-a-pays over the life of the loan.

  5. If you pay your loan using direct deposit/ACH, your automated payments will be shut off for one month and any amounts applied to your loan payment will be deposited to your excess account. If you pay your loan using automated transfers, your transfer will be shut off for one month.