Give Your Holiday Budget a Break with Skip A Pay

The holiday season should be about joy, not paying bills. That's why at MPS Credit Union, we are giving you the opportunity to skip a loan payment and put more cash in your back pocket. Whether its gifts, traveling to see loved ones, or a holiday celebration, a little extra breathing room can help make that time brighter. Take advantage of this offer and focus on what truly matters!

Here’s how it works:

You may skip your December or January loan payment (one monthly payment or two bi-weekly payments) on most credit union loan types* for a low processing fee of just $35 per loan** (see Disclosure below for details).

It’s easy to request your Skip-A-Payment

Simply complete the request form below and submit it by Tuesday, November 24, 2026. If skipping multiple loans, please complete a separate form for each. 

Skip-A-Payment Request Form
* Required Fields

Skip-A-Payment Disclosure

*DRIVING SENSE, HOME EQUITY, HELOCs, VISA® CREDIT CARDS, QUICK CASH NO CREDIT CHECK LOANS, LENDERS OPTION LOANS ARE EXCLUDED FROM THE SKIP-A-PAYMENT PROMOTION.
**Eligible loans must have been opened prior to June 30, 2026 and have no delinquent payment history during the last 60 days. Member’s loan must be current and in good standing. The $35 processing fee is not applied toward the loan principal or any finance charges. In the event that there are three payments due in a month, only two will be skipped. Members that have their loan payment scheduled on a monthly basis, may skip their December or January payment. Members that have their loan payments scheduled on a bi-weekly basis, will be able to skip two bi-weekly payments at the Credit Union’s discretion. Finance charges will continue to accrue at the rate disclosed in your original loan agreement. Deferring a payment will result in higher total FINANCE CHARGES than if payments are made as originally scheduled, and will extend the term of your loan resulting in extra payments after your loan would otherwise be paid off. If you previously elected credit life and/or disability insurance, premiums will continue during the extended term months. If you have GAP insurance, the coverage will not extend beyond the original maturity date of the loans as disclosed in the Installment Sales Contract/Loan GAP Waiver Addendum Election Form. Therefore, if you have a GAP claim, the coverage may be reduced by the deferred payment amount and you may owe a balance. All requests to skip a payment must be approved by the Loan Department. Certain restrictions may apply on some auto loans. The Skip-A-Payment request must be submitted by November 24, 2026. 

By clicking the SUBMIT button below, I agree to the terms and conditions of the Skip-A-Payment Program and authorize MPSCU to deduct $35 from my account. Please click SUBMIT if you wish to continue. 
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