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Skip-A-Pay

Take a break with Skip-A-Pay

Add a little room to your budget this month.


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What Is It?

Skip-A-Pay from Yolo Federal

Need a vacation from your loan payment? Yolo Federal can help! With our Skip-A-Payment program, you can skip your Yolo FCU loan payment up to 2 times per calendar year. Just choose a loan payment you’d like to skip, and for a $30 processing fee, you can skip your next payment. Log into Online Banking, go to Transfer & Pay and select Skip-A-Pay sign up for the Skip-A-Pay program and add some more room to your budget this month.

FAQs

  • Is there a fee?

    There is a fee of $30 per loan and month skipped for each application. For your convenience, the fee will be charged directly to the skipped loan(s).

  • Is there a deadline for submission?

    Yes, at least 5 days before the payment due date.

  • Are there any other stipulations?

    To qualify for a Skip-A-Pay, the loan must have been opened for at least 12 months, the request must be made 5 days before the payment due date, and consecutive months cannot be skipped. Limit 2 skips per calendar year. The Skip-A-Pay program will extend the term of the loan(s) and interest charges will continue to accrue in the usual manner. To qualify, membership must be in good standing. Account(s) must not be overdrawn and all loans must be current before the desired payment can be skipped. Subject to approval. Some restrictions may apply.

    Excludes Real Estate and Business Loans. Yolo FCU reserves the right to discontinue this feature at any time.

    If you have a Total Loss Claim on your vehicle and have purchased Guaranteed Auto Protection (GAP) coverage, a Skip-A-Pay may reduce your GAP coverage by the amount of your monthly payment plus the Skip-A-Pay fee.

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  • Disclosures

    To qualify for a Skip-A-Pay, the loan must have been opened for at least 12 months, the request must be made 5 days before the payment due date, and consecutive months cannot be skipped. Limit 2 skips per calendar year. The Skip-A-Pay program will extend the term of the loan(s) by one month with a $30 processing fee per loan for each month skipped, and the interest charges will continue to accrue in the usual manner. Excludes Real Estate and Business Loans. Yolo FCU reserves the right to discontinue this feature at any time. If you have a Total Loss Claim on your vehicle and have purchased Guaranteed Auto Protection (GAP) coverage, skipping a payment may affect the amount of GAP Insurance refund received if claim filed. Yolo FCU is not responsible for the cancelation of an automatic payment made from a 3rd party. Following the skipped month, payment will resume as usual. Some restrictions apply. Subject to approval.

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To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.

To apply for a Home Loan, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office. 

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