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We get it. Life happens, and sometimes it leaves you short on cash. That's where we come in. Skip-A-Pay allows members in good standing to skip their monthly payment on any eligible loan, once per calendar year.*

Simply choose the month you wish to skip your payment, then follow these simple steps:

  1. Complete and submit a Skip-A-Pay Application. All borrowers of the loan, including any joint borrower, cosigner, or guarantor (if applicable) must sign the application.
  2. Completed applications must be received five days prior to the due date of the loan payment you wish to skip. Paper applications may be delivered to the branch, or mailed to 13201 Granger Road, Suite 1, Garfield Heights, OH 44125.
  3. There is a $35.00 processing fee for each loan payment you wish to skip. You may pay by transfer from your ECU account, with cash, or by check payable to Emerald Credit Union.
Please note that interest and Emerald Payment Protection (if applicable) will continue to accrue on your loan during the skipped payment period. Your loan maturity (final payment) date will be extended with each skipped payment. All other loan terms and conditions remain the same.

Loans FAQs

*Platinum Visa Credit Cards, Mortgages, Home Equity Loans, Business Loans, Wish List Loans, and Share Secured Loans are not eligible. Membership and loans must be in good standing, defined as a $5.00 minimum share balance and no overdrawn or delinquent accounts. If loans are or have been delinquent, over-the-limit, or accounts have been overdrawn, ECU reserves the right to deny the Skip-A-Pay request. Skip-A-Pay is not available during the first six (6) months of any eligible loan term. Only one (1) payment per eligible loan can be skipped in any calendar year (January - December). Skipped payments cannot be consecutive (December and January). Maximum of five (5) skips allowed per eligible loan. Skip-A-Pay request must be received five (5) days prior to the due date of the loan. Payment Protection premiums (if applicable) and interest will continue to accrue during the skipped payment period, and the loan maturity date will be extended. The $35.00 processing fee per loan payment skipped will not reduce the principal.