Skip-A-Pay Features

Skip-A-Pay allows you to take a pass on your monthly loan payment! It is available on most Copper State Credit Union loans with the exception of Mortgages, Home Equity loans and Line of Credit loans.

checkmark 30 x 30
Peace Of Mind
Rest easy knowing this option is here if you have an unexpected hard month.
checkmark 30 x 30
Easy Application
Complete our easy online application at a time that is convenient for you!
checkmark 30 x 30
Low Cost Service
Please check our rates and service charges.1
checkmark 30 x 30
Local Partner
As your partner and neighbor, we are here to help you navigate your finances.
young family with children in autumn
yellow-lightbulb-spot
We Are Always Here To Help
If you are unsure if Skip-A-Pay is the right decision for you, please contact us!

Skip-A-Pay Details

  • Account Requirements

    All of your Copper State Credit Union accounts must be in good standing.

  • Request Time Frame

    Your request must be received within the calendar month of your loan payment due date.

  • How Often Can You Skip

    You can skip one monthly payment per eligible loan within a 12 month period.

  • How Many Times Can You Skip

    You can use Skip-A-Pay three times over the life of each eligible loan.

  • Eligible Loans

    Skip-A-Pay is available on most Copper State loans with the exception of Mortgages, Home Equity loans, and Line of Credit loans.

partners on laptop applying for skip a pay while drinking coffee
We Want You To Have All The Facts
By using Skip-A-Pay, you are deferring your next regular loan payment. Your loan payment schedule will be extended beyond your original final payment date by one or more months.

In addition to the Skip-A-Pay fee, interest and other charges will continue to accrue on the outstanding balance of your loan during the extension period and over the remaining term of the loan until it is paid in full. The remaining terms of your original loan contract remain in effect.

Your next monthly payment will be applied to finance charges, including the finance charge for the payment you skip. If you need help deciding if Skip-A-Pay is right for your situation, please contact us.
FREE GUIDE

Monthly Budgeting

Keep your monthly expenses on track with ease! Check out this free helpful guide.
How To Create A Monthly Budget That Works - Copper State Credit Union Guide Book
Create a Simple Budget That Works For You!

It's easier than you think to create a monthly budget and stay on track.

Included in the free guide:
  1. "Zero Balance" Monthly Budget
  2. Find Your Financial Goals
  3. Free Budget Template
  4. Budget Adjustments
  5. Mistakes to Avoid

Get your free copy now!

Keep your monthly expenses on track with ease! Check out this free helpful guide.

Disclosure

1 There is a fee to skip a payment on a loan. Fee is not applied to the balance of the loan.
All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Membership is required.

Book an appointment Contact Us

Online Banking

Secure Access 24/7
Reset Username/Password

Sign In

New User? Register Now