Blank hidden pixel

Want to know how to get through the holiday season with your checking account intact? How about skipping your loan payment for a month?

Choose November or December for a little budget boost or skip January to give yourself more breathing room in your budget after the holidays. How’s that for more holiday cheer?


  1. Complete the Skip-A-Payment Request Form.
  2. Choose a payment option. (There is a $30 processing fee for each loan payment that is skipped. The fee must be paid before your skip request will be processed.)
  3. Mail, fax or deliver your form to a branch near you.

For faster processing, we suggest you fax or deliver your form to your local MembersFirst branch.


October 25th to Skip-A-Payment in November 2021
November 20th to Skip-A-Payment in December 2021
December 27th to Skip-A-Payment in January 2022

It’s really that simple! When your request is approved, we’ll move your loan date forward by one month from your present due date. Interest on your loan will continue to accrue at the rate originally stated, and the maturity date on the loan may be affected. Your normal payment schedule will resume during the month following the one you skip.

Ready to skip?

Download your Skip-A-Payment application here or call (404) 978-0080 or (912) 352-2902 to request an application.

Call (404) 978-0080 or (912)352-2902 or stop by your local branch.

*By participating in MembersFirst’s Skip-A-Payment program, you request that MembersFirst CU defer your loan payments as indicated. You agree and understand that 1) Loans must have originated at least six months prior to the date you choose to skip your payment; 2) If we are unable to stop your ACH payment in time, your skipped payment may be delayed until the next scheduled payment; 3) Finance charges will continue to accrue at the rate provided in your original loan agreement during and after this time; 4) Deferring your loan payment will result in your having to pay higher total FINANCE CHARGES than if you had made your payments as originally scheduled; 5) If you have an extra pay period in the month you choose to skip, we will only skip the equivalent of one month. For example, if you are scheduled to receive three payroll deposits in the month, only the first two payments will be skipped. If your payment is made through Payroll Deduction or Direct Deposit, your additional payment will be deposited into your MFCU Membership Savings account; 6) You will be required to resume your payments the following month; 7) The payment deferral will extend the terms of your loan(s), and you will have to make extra payments after your loan would otherwise have been paid off; 8) If you elected Debt Protection coverage on your loan and participate in the Skip-A-Payment program, the coverage on your loan will extend your original maturity date and accrued interest and debt protection premiums will be added to the outstanding principal balance on your loan. GAP coverage: If you signed a GAP waiver on your vehicle loan, you are allowed a maximum of five Skip-A-Payments to maintain full coverage in the event of a total loss of your vehicle. Skip-A-Payments greater than five will result in additional liability on your loan; 9) All deferrals are subject to MFCU approval; 10) Your loans must be current to accept this offer (loans more than 10 days past due are subject to additional approval; certain restrictions may apply); 11) If your loan payments are deposited from another institution (ACH or Direct Deposit), the funds received in the month you skip will be deposited into your savings account; 12) Recent deferred payments on your loan due to hardship caused by the COVID-19 Pandemic could disqualify you from approval for the 2021 Skip-A-Payment program. There is a $30 processing fee per loan, which will be deducted from your account or paid over the counter (as specified above). All loans listed will be skipped for the month listed; only one month may be skipped for this promotion. All Skip-A-Payment requests are subject to approval, and limitations do apply. If you are not eligible to skip a payment, you will be notified by mail or by phone at the number you list on this form.  This promotion excludes Holiday Loans, Vacation Loans, Fast Cash Loans, Back-To-School Loans, Chatham Special Loans, Revolving Loans, Land Loans, 1st Mortgages and Visa® Credit Cards. MembersFirst has the right to refuse any Skip-A-Payment request. Offer ends January 31, 2022. For more information, call (404) 978-0080 or (912) 352-2902. Processing fees must be paid before the skip request will be entered.