Skip-A-Pay

Improve Your Cash Flow

Has something come up this month where you're just a little strapped for cash? Maybe the holidays just passed and your need a little more or you need a little bit more for a special trip or event? Skip-A-Pay1 offers you a one time "Skip" for a payment if you have a loan with us. While it may seem that the payment just goes away, it is actually deferred and added to the end of your loan's term. Deferring a payment will not add any fees nor will it impact your credit score.

How to Skip-A-Pay

  1. Log in to FSCU Digital Banking and navigate to the Skip-Pay screen.
    If using the mobile app, tap "Menu" in the bottom right corner > "Manage My Loans" > "Skip-A-Pay".
    If using a web browser, go to "Loans" > "Manage My Loans" > "Skip-A- Pay"
  2. Select an eligible loan you'd like to skip.
  3. Choose an account to cover the $35 service charge.
  4. Review your selections, then press "Confirm" to skip your next payment.

Skip-A-Pay FAQs

Vehicle loans and personal loans are eligible for Skip-A-Pay.

You can check to see if you loan is eligible for Skip-A-Pay by logging into Digital Banking. Here is the criteria for eligibility:

  • The loan must have been open for at least 6 months.
  • The loan must have had at least 3 months of consecutive on-time payments.
  • The loan cannot be over 15 days past due.
  • The loan cannot have 2 skips in the last 12 months.
  • You cannot have 30 days late payments due in the last 90 days or no more than one 30 day late payment in the last 12 months.
  • You cannot have a negative account over 20 days negative
  • You cannot have had more than one skipped payments in the past 12 months.
  • You cannot have any First Service loans in a past due status.
  • You cannot have a negative share.
  • The loan cannot be a real estate loan, home improvement loan, home equity loan, home equity line of credit (HELOC), Visa® credit card, CD secured loan, or a balloon payment loan.
Only the primary borrower is able to request a Skip-A-Pay. Joint borrowers are not able to request to skip a payment.
No, it will not affect your credit score if you use Skip-A-Pay.
Please contact the credit union at 713-676-8961 if you need assistance with your loan. There may be other options available to you such as a loan deferral.
You can Skip-A-Pay within digital banking!
  1. Log in to FSCU Digital Banking and navigate to the Skip-Pay screen.
    If using the mobile app, tap "Menu" in the bottom right corner > "Manage My Loans" > "Skip-A-Pay".
    If using a web browser, go to "Loans" > "Manage My Loans" > "Skip-A- Pay"
  2. Select an eligible loan you'd like to skip.
  3. Choose an account to cover the $35 service charge.
  4. Review your selections, then press "Confirm" to skip your next payment.