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Holiday Skip-a-Pay

Let's face it, the holidays aren't cheap. The gifts, dinners, desserts, treats, and travel can really add up! So give your budget a break: If you have an auto or consumer loan with HCU, you can skip your January payment for only $30. It only takes a few minutes inside HCU Digital Banking. Log in, skip a payment and start relaxing. Consider it our gift to you!
Skipping a payment is easy! Simply log into HCU Digital Banking and click on Skip-a-Pay under Transfer & Pay.  You'll be on your way to saving for the holidays.
Skip a payment on any auto or personal loan during the months of November, December or January!  
Put money back in your pocket when you make no principle or interest payments.  Simply pay the $30 processing fee.  You can pay with automatic withdrawal or by credit or debit card.

Skip-a-Pay Details

  • Skip your January Auto or Personal Loan payment
  • Apply for Skip-a-Pay inside HCU Digital Banking, under Transfer and Pay
  • $30 application fee applies and can be paid by auto transfer, credit card, or debit card
  • Make no principal or interest payments
  • Members may skip one month's payment per loan, during the promotional period
  • Not available on real estate loans or credit cards
  • Interest will continue to accrue on the loan
​*Skip-a-Payment is available for loan payments due November 1, 2023, thru January 31, 2024 (not consecutive months) for members in good standing. Defer your qualified, consumer loan(s) up to one month (real estate loans and credit cards are excluded). There is a limit of one Skip-a-Payment per loan, per promotional period. Your next regular payment will be due on the scheduled payment due date following the month you have elected to skip a payment. Interest will continue to accumulate and be collected when payments are resumed. Heartland Credit Union reserves the right to refuse any Skip-a-Payment request and we will advise you if your request is denied.  All Skip-a-Payment requests are subject to approval. Any payments that are received during the deferral period will be deposited to your account and available for withdrawal. There is a $30.00 processing fee per loan. The fee will be debited from a deposit account at the credit union at the time your Skip-a-Payment request is approved, or payment can be made by credit card.