The holidays can be expensive—gifts, travel, and celebrations add up fast. Give your budget some breathing room by skipping one auto or consumer loan payment for just $30. It’s quick and easy inside HCU Digital Banking.

​*Skip-a-Payment is available for loan payments due November 1, 2025, thru January 31, 2026 (not consecutive months) for members in good standing. Defer your qualified, consumer loan(s) up to one month (real estate loans and credit cards are excluded). There is a limit of one Skip-a-Payment per loan, per promotional period. Your next regular payment will be due on the scheduled payment due date following the month you have elected to skip a payment. Interest will continue to accumulate and be collected when payments are resumed. Heartland Credit Union reserves the right to refuse any Skip-a-Payment request and we will advise you if your request is denied.  All Skip-a-Payment requests are subject to approval. Any payments that are received during the deferral period will be deposited to your account and available for withdrawal. There is a $30.00 processing fee per loan. The fee will be debited from a deposit account at the credit union at the time your Skip-a-Payment request is approved, or payment can be made by credit card.