Skip-A-Pay Program


Don’t get wrapped up in holiday expenses this season – take a break with our Skip-A-Pay Program.

We know this time of year can be stressful & expensive – so why not take a break from your JCFCU loan payment for a month and have one less thing to worry about?

How it works*:

  • Member may only skip one payment per calendar year per loan.
  • Real estate loans and Home Equity Lines of Credit are not eligible for Skip-A-Pay.
  • Loan must have been open for at least 6 months.
  • Member must be current on all loan payments and have no history of delinquent payments over 30 days on the loan that they are requesting the Skip-A-Pay.
  • Loan’s maturity date will be extended one calendar month beyond its maturity for each approved Skip-A-Pay.
  • Prior to final loan payoff, member will be required to make payment(s) that were skipped and interest will continue to accrue at the contract rate on the unpaid balance including the month(s) that were chosen and approved to skip.
  • All other terms and provisions of the original loan agreement are unchanged and remain in effect.
  • A $20 fee will be required for each loan payment skipped.
  • Skip-A-Pay fee is considered a finance charge and payment of the fee increases the total cost of credit.
  • Application form must be filled out and submitted at least five (5) business days in advance of the payment to be skipped.
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How to apply:

  • Download & complete the application
  • Drop your application off at a branch or in the mail to: Jefferson County FCU, 9600 Ormsby Station Rd, Louisville, KY 40223
  • You will be notified once we have reviewed your application!

Skip-A-Pay Today!


*Limit to one (1) skipped payment per calendar year per loan. Real estate loans and Home Equity Lines of Credit are not eligible. Loan must have been open for at least 6 months. Member must be current on all loan payments and have no history of delinquent payments over 30 days on the loan that they are requesting the Skip-A-Pay. Loan maturity date will be extended one (1) calendar month beyond its maturity for each approved Skip-A-Pay. Prior to the final loan payoff, member will be required to make payment(s) that were skipped and interest will continue to accrue at the contract rate on the unpaid balance including the month(s) that were chosen and approved to skip. All other terms and provisions of the original loan agreement are unchanged and remain in effect. A $20 fee will be required for each loan payment skipped. Skip-A-Pay fee is considered a finance charge and payment of the fee increases the total cost of credit. Application form must be filled out and submitted at least five (5) business days in advance of the payment to be skipped. Applications can be found at JCFCU.org or in a branch. Contact the Credit Union for full details.