Skip the Stress, Not the Season

A gift to yourself this December.

Give your wallet a holiday break with our Holiday Skip-a-Pay!

The holidays have a way of sneaking up on your budget. Between gifts, family dinners and maybe a trip to see the folks, December gets full fast. So this year, we're giving you a little breathing room.

Sign up in November, and you can skip your December payment on eligible* loans, like your auto or personal loan. That's money in your pocket for the things that make the season feel like the season.

Enrolling takes just a couple of minutes.

Submit the online form below to enroll, give us a call, or visit us in person at any of our two branches.

 

enroll in skip pay now

Need a little extra for the holidays?

Check out our Holiday Loan, and don't miss our 12 Days of Giveaways.

How it works

  1. Sign up in November. Use the online form above, call us, or visit a branch. Just make sure we get your enrollment at least 3 days before your December due date.

  2. Skip your December payment. Your first payment(s) due in December on each eligible loan is skipped.

  3. Enjoy the season. Spend that extra cash on gifts, groceries, travel or simply a calmer month.

Pay from another bank? If your loan payment comes out of an account at another bank, you'll need to stop that payment with them too. We can't stop it from our end.

*Skipped payments will apply to the first loan payments due in December and are limited to one monthly, two biweekly, four weekly, or two semi-monthly payments. Your loan(s) will be extended to cover the skipped payments, and interest will continue to accrue on the outstanding balance until it is paid in full. This promotion does not apply to delinquent loans, collection loans, real estate loans, insurance loans (automotive or homeowners), SMARTChoice loans, SMARTbuy loans, DriveFWCCU loans, holiday loans, vacation loans, tax loans (for property tax), Fort Worth Proud VISA credit cards, or loans with less than three months of history. Payments made by ACH from another financial institution will need to be stopped by the member. A signed enrollment form MUST be received by the last day of the month prior to the month of payments you wish to skip. No late forms will be accepted, and no payments will be reversed due to late forms received after the due date. Enrollment may be denied at the discretion of the credit union. You will be notified if your Skip-a-Pay request is declined. If you do not hear from us but would like to confirm your enrollment, check your Loan Details in Digital Banking after 48 hours. Your Due Date will update to reflect the skipped payment.

F.A.Q.s

  • No! As a special holiday perk, FWCCU waives the usual Skip-a-Pay fee during our Holiday Skip-a-Pay promotion. Skip-a-Pay requests submitted at other times of the year are subject to a small fee.

  • If your loan skip is successfully processed, you will not receive a confirmation. If your request is ineligible, you will be contacted by the credit union to notify you that your Skip-a-Pay request is declined. If you do not hear from us but would like to confirm your enrollment, check your Loan Details in Digital Banking after 48 hours. Your Due Date will update to reflect the skipped payment. For additional questions, contact the loan department at 817-732-2803 option 2.

  • You can only skip a payment once every 12 months. If you have already skipped a payment on your loan this year, you will not be eligible for a skip.

  • If your payment is made from another bank, you will need to contact that bank to stop or pause the payment from the bank of origin.

  • Not all loans qualify for Skip-a-Pay. Eligibility depends on factors like loan type, payment history, and account standing. Certain loans (such as real estate, credit cards, or recently opened loans) are not eligible. Please check your loan agreement or contact us if you have questions about your specific loan’s eligibility.

  • An approved Skip-a-Pay request will not be reported as a missed payment to the credit bureaus. However, you must continue making your scheduled payments unless your request has been approved.

  • Yes, interest will continue to accrue on your outstanding loan balance during the skipped payment period.