Could you use a break? Take this month off and skip your December loan payment on one or all of your eligible loans if you'd like.*

The following are eligible for Skip-A-Payment:

• Auto Loans
• Anything Loan
• Closed-End Home Equity Loans
• HomeFree Home Loans

To process your Skip-A-Payment, you can do it one of these ways:

In order to ensure that your Skip-A-Payment is properly handled, your form must be received by December 30, 2024. 
Paper forms postmarked after December 26, 2024 may not be accepted.

 

To ensure your payment is skipped, please remember to do the following:

• Remember to stop any recurring payments scheduled to be sent for the month of December.
• Make sure you submit your form at least 7 business day prior to your anticipated payment date.
  

JHFCU will ensure that no payment is deducted from your Share Savings account in December 2024, and that your payment schedule resumes in January 2025.

Please Note: Interest will continue to accrue on the unpaid balance, and the loan maturity date will be extended by approximately one month each time you opt to skip a payment. All borrowers must sign the authorization form.

 

*Please note that your first loan payment is not eligible for a Skip-A-Payment. This offer is available only for loans with an established payment history. This offer expires on December 26, 2024. By skipping your December 2024 payment(s), you extend your maturity date approximately one month. Debt protection and/or GAP purchased to cover your JHFCU loan(s) excludes deferred payments therefore, in the event of a claim, you may have a residual balance as a result of Skip-A-Payment authorization. Interest will continue to accrue on any unpaid principal balance(s) and may impact your final payment amount. Your scheduled monthly payment amount will not change, however the amounts applied to principal and interest may vary as a result of Skip-A-Payment authorizations. JHFCU will not process your request, and you may not skip your December 2024 payment(s), if all borrowers have not signed the authorization, if you do not have sufficient funds in the deposit account listed above to pay the processing fee, if your check for the processing fee is returned, or if your account does not remain in good standing during December 2024. The processing fee may be posted to your share account anytime through January 2025.