Skip-a-Pay Program

We offer our Skip-a-Pay Program year-round!

Do you want to free up some shopping money, catch up on other bills or just have the cushion of additional cash? If you have loans in good standing with us, you could qualify to skip your next loan payment. 
  • Skip two loan payments per calendar year
  • Not offered for semi-annual and annual payments
  • Loan must be open for 90 days
  • Loan must be current
  • All Capital Credit Union accounts must be in good standing
  • Must complete a Skip-a-Pay Application at least five business days before the due date you wish to skip
  • Must pay a $40 Skip-a-Pay processing fee
  • Must have a minimum of $25 in a share account as well as funds for a $40 fee for each loan payment skipped
  • Must have no deferrals on the loan within the last 90 days
  • Must have one monthly payment between skips
  • Must not have exceeded two skips within a calendar year
Eligible Loans
  • Auto Loans
  • Recreational Vehicle Loans
  • Boat Loans
  • Motorcycle Loans
  • Personal Loans
Loans Not Eligible
  • Visa Credit Cards
  • Mortgage Loans
  • Home Equity Loans & Lines of Credit
  • Manufactured Home Loans
  • Business Loans
To skip your next loan payment, please complete and submit the application below. 
  • Is there a fee for Skip-a-Pay? Yes, there is a $40 processing fee for each loan skipped. 
  • When can I request a skip? Skip-a-Pay applications must be received at least five calendar days before the payment is due. Skips can only be requested for your next loan payment.
  • Can I skip two payments in a row? No. A skipped payment cannot be submitted consecutively on a given loan. You will need to make at least one payment on your loan before requesting another skip.
  • How does skipping affect finance charges? On qualifying loans, interest charges will continue to accrue and skipping a payment will extend the number of months that it will take to pay off your loan.
  • Will skipping affect my GAP coverage? If you have GAP (Guaranteed Asset Protection) on your auto, motorcycle, ATV, camper, boat, jet ski or snowmobile loan, skipping a payment could affect the coverage. Please call 701.255.0042 for more information.
By submitting a Skip-a-Pay Program application, I authorize Capital Credit Union to skip the payment noted on the application. I understand that interest charges will continue to accrue on my loan and that by skipping a payment, it will extend the number of months that it will take to pay off my loan. I understand that skipping a payment may affect my loan's GAP (Guaranteed Asset Protection) coverage. Application must arrive at Capital Credit Union five days before the due dates of your loan in order to be processed without a late payment. Loan must be open for 90 days, current and all accounts in good standing in order to qualify for the Skip-a-Payment Program. A maximum of two payments per qualifying loan per calendar year may be skipped and one monthly payment must be made between skips. All requests are subject to approval. Capital Credit Union reserves the right to deny this offer for any reason. Other restrictions may apply.