Skip-A-Pay

Give yourself a break! Sign up for U of I Community Credit Union’s Skip-A-Pay program and skip your next payment on qualifying credit union loan(s)*. Use the extra money to catch up on bills or take advantage of great sales. Have more than one qualifying loan? You can skip the payments for each!

There is a $39.00 non-refundable processing fee per loan to participate in the skip program. A maximum of two skip payments are available per loan each calendar year with the lifetime total not to exceed more than two per year of the original loan term. Payments may not be skipped in two consecutive months. All VISA, Mortgage, Home Equity, any loan with a term longer than 84 months, and any loan in an active payment arrangement are ineligible for skip payments.

To take advantage of a skip-a-payment, log in to digital banking and fill out the Skip-A-Payment form under Secure Forms.

Log in to Digital Banking


*By signing above, you authorize UICCU to extend your final loan payment by one month. No payment will be required on your loan in the month skipped; however, you will be required to resume your regularly scheduled payment the following month. The $39.00 non-refundable processing fee per loan will be automatically deducted from your account, unless a check is enclosed. Interest will continue to accrue on your loan during the month you skip your payment. Loan payments made through Payroll Deduction, Direct Deposit or ACH will be deposited into your Savings Account for the month you are skipping your payment. If accounts at the credit union are not in good standing, the coupon is invalid. Any loan that is past due is not eligible to skip a payment. The first full contractual payment must be applied to the loan before being considered for a skip payment. If the processing fee is not included with the application, your request will be denied and your regular payment will be required (or applied in the case of an automatic payment). A maximum of two skip payments are available per loan each calendar year with the lifetime total not to exceed more than two per year of the original loan term. Payments may not be skipped in two consecutive months. UICCU reserves the right to deny any request. Multiple skips may reduce potential GAP claim or credit insurance benefits. Contact your provider for details. All VISA, Mortgage, Home Equity, Share Draft Resolution Loans, Workout Loans, any loan with a term longer than 84 months, and any loan in an active payment arrangement are ineligible for skip payments. A member with an active Collateral Protection Insurance (CPI) policy on any given loan will be ineligible for skip payments on that loan and all loans for which that member is either a borrower or cosigner/guarantor.

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