Make the Holidays a Little Easier with Skip-A-Pay

The holidays can come with extra expenses. If you could use a little more room in your budget, Mid Carolina Credit Union’s Holiday Skip-A-Pay program might be a good fit.

Eligible members can skip their December 2025 loan payment, giving you more flexibility for holiday travel, shopping, or just catching up.

How It Works:

  • You can skip your December payment on eligible loans

  • A $25 processing fee applies per loan

  • Submit your request by December 31, 2025

Who Can Qualify:

To be eligible, the following must apply:

  • Loan must be current and in good standing

  • No 30-day delinquencies in the past six months
    Loan must have been opened before June 1, 2025

  • All share accounts must be in good standing

  • Loans not eligible include:

    • Mortgages

    • Home equity loans

    • Business loans

    • Credit cards

    • Loans with prior modifications or extensions

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

Things to Keep in Mind:

  • Skipping a payment will extend the term of your loan

  • Interest continues to accrue during the skipped month

  • Regular payments resume in January

  • If your loan has GAP coverage, this skipped payment may affect your protection

  • Credit Life or Disability premiums (if elected) will continue to be added

How to Apply:

Visit any Mid Carolina Credit Union branch to complete the Skip-A-Pay form. The $25 processing fee can be paid by check or deducted from your MCCU savings or draft account.

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