Skip-A-Payment
Don’t Sweat the Holidays. Skip-A-Payment!
Family Security Credit Union would like to offer you a little something extra this holiday season. Because you are a valued member of Family Security, we are giving you the opportunity to skip a payment* on your loan(s) in the month of November or December 2024, or January 2025.
You could use the extra cash for a lot of things!
- Holiday Gifts
- Visit family for the holidays
- Home renovations in time for the holidays
- A special vacation
Sign up now, it couldn’t be easier!
Simply click here to fill out the form and return via mail, or drop it off at our nearest branch location. You can also apply online through FSCU@HOME or by using our mobile app. If you have any questions, please give us a call at 256-340-2000 or 800-239-5515. If you prefer to skip your November payment, the form must be received before October 25th. December Skip-A-Payment forms must be received before November 25th. January Skip-A-Payment forms must be received before December 25th. This program is not available on all loans. Excluded loans are listed below.
Remember, if you skip your payment, the interest is still charged for that month and will be reflected the following month. Please note: there is a $25 processing fee for each loan; you can select your payment method on the form below. It is your responsibility to suspend any reoccurring electronic payments for the term of the Skip-A-Payment.
We wish you a wonderful holiday season!
*The Skip-A-Payment coupon does not change your current loan payment amount, but it does extend the term of your loan by one month. By skipping a payment, the maturity or final payment date as disclosed on the note, truth in lending disclosure, and/or security agreement will be extended beyond the date originally disclosed. Anyone who is a co-signer or joint borrower on the loan(s) must also sign before the payment(s) can be skipped. Interest will continue to accrue on the balance of the loan from the last payment date. Loans excluded from this offer are credit cards, all open-end loans, mortgage loans, home equity lines of credit, business loans, bad address accounts, overdraft loans, loans in bankruptcy, charged-off loans, loans processed after 9/30/2024, loans currently past due more than 10 days, loans that have received extensions, workout loans, loans on accounts with a negative checking balance without ODP, and loans with a single payment or semi-annual payment frequency. If you have Gap Protection, any amount of the loan that is skipped may not be covered under the GAP Protection. Your deposits are insured to at least $250,000 by NCUA.