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During a rolling 12-month period, applicants are eligible to skip 2 months of payments on installment loans or line of credit; and one skipped payment on a credit card.

Skip-A-Pay Request Form

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Member(s) must be current on all accounts, must have no Collateral Protection Insurance on any loans, and must have made at least 12 consecutive monthly payments (no payments 30 or more days late within the rolling 12-month period) on loan. If you do not meet this criteria, please contact our Collections Dept. at (800) 844-0008.

If you are ineligible for the program, we will contact you with other options (if applicable).

Once the request has been approved, a Skip-A-Pay Agreement will be emailed to you via DocuSign for your signature. All borrowers must sign in order for the request to be processed.

During a rolling 12-month period applicants are eligible to skip 2 months of payments on installment loans or line of credit and one payment on a credit card. 12 consecutive monthly payments must be made before a Skip-A-Pay will be approved.
Credit Cards qualify for one Skip-A-Payment during each rolling 12-month period.


 TCU will waive the fees for those directly affected by the wildfires 

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(Fee may be transferred from savings or checking OR added to the loan).

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If you have questions about your TCU accounts, please call us at (800) 877-8328 Monday through Friday, during normal business hours.


Members can skip loan payments on installment loans or line of credit up to twice per rolling 12-months, per loan. Credit Cards can skip only one payment per rolling 12-month period. A fee of $40 may be assessed for each approved Skip-A-Pay request processed via the online channel. Those requests processed in the branch or by the Member Service Center may be assessed a processing fee of $50.00. The fee may be paid by transfer from your checking, savings or money market account or it can be added to the balance of the loan. Loans with co-borrowers can only be processed upon receipt of a signed authorization by all parties to the loan. Mortgages, Home equity loans, and home equity lines of credit, are ineligible for Skip-a-Pay. All accounts must be current and at least 12 months of good payment history is required to be eligible. Other restrictions may apply. The interest on the loan continues to accrue, and all other terms and provisions remain unchanged. Your deferred payment(s) plus any additional accrued interest will be paid at the end of your loan.

Skipping payments will increase the finance charges and extend the terms of the loan. Should the length of the loan exceed the maximum term allowed for Guaranteed Asset Protection and you incur a claim, only a portion of the Gap will be cancelled.

In agreeing to this extension the Credit Union is not waiving any rights under the loan agreement. The original loan payment schedule will be restored at the Credit Union’s option in the event that the borrower fails to make any payment as scheduled, the loan can be accelerated and the entire unpaid balance plus accrued interest, charges and costs will be immediately due. Except for the change in the payment schedule and increase in finance charges, the terms of the loan agreement are unchanged.


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