Summer Skip-A-Pay

Enjoy More This Summer with Skip-A-Pay

Summer is the perfect time to relax, recharge, and enjoy a little extra cash in your pocket.

With Mid Carolina Credit Union’s Summer Skip-A-Pay program, you can skip your June 2025 loan payment and keep more money for the things that matter most.

How It Works:

  • Skip your June payment on eligible loans.

  • Submit your Skip-A-Pay request by June 30, 2025.

  • A $25 processing fee applies for each skipped loan.

Who’s Eligible:

  • Your loan must be current and in good standing.

  • Loans must have no 30-day delinquencies within the past six months.

  • Some loan types are not eligible, including mortgages, home equity loans, business loans, credit cards, and loans with prior extensions or modifications.

  • All share accounts must be in good standing and have no negative balances.

Important Terms:

  • Skipping a payment will extend the term of your loan and may increase the total finance charges paid over the life of the loan.

  • Interest will continue to accrue during the skipped period.

  • Your credit will not be affected as long as your loan remains in good standing.

  • Regular payments resume the month following the skipped payment.

  • If you have GAP coverage, skipped payments may impact your protection. Coverage will not extend beyond the original loan maturity date.

How to Apply:

Simply stop by any Mid Carolina Credit Union branch to complete a Skip-A-Pay request form. You can pay the $25 processing fee by check or request that it be deducted from your MCCU share or draft account.

Additional Details:

  • If your loan payment is drafted from another financial institution, your Skip-A-Pay request must be submitted at least three business days before your due date to allow for processing.

  • Loans must have been originated prior to December 1, 2024 to qualify.

  • All Skip-A-Payment requests are subject to approval, and certain restrictions apply.

  • If previously elected, Credit Life and/or Credit Disability premiums will continue to be added to the loan during the extended term.


Have questions?
Reach out to us using our contact form on the website or give us a call at 803-432-8521. We are happy to help!

Mid Carolina Credit Union is federally insured by the NCUA and is an Equal Housing Lender.

Lynn Blizzard