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2023 Winter Skip-A-Pay


It is the most wonderful time of the year, ēCO Credit Union's Skip-A-Payment program is here! Through the Winter Skip-A-Payment program, you can skip one month’s loan payment in November or December. Use the extra cash to travel home for the holidays or buy the perfect gift for a loved one. With a little extra cash in your pocket, you can make magic happen this holiday season. 

To sign up:

  • Fill out this form.
  • Return it to any ēCO Credit Union branch,
    or mail it to us at P.O. Box 2385, Birmingham, AL 35201.
  • Include a $34 check for processing,
    or select the appropriate box to deduct it from your ēCO account.

If your payment is made through payroll deduction, we will deposit it into your savings account, instead of applying it to your loan. Please note - mortgage loans, credit cards, and home equity lines of credit are not eligible for the Skip-A-Pay Program.

We hope you’ll take advantage of this great offer! If you have any questions, give us a call at 205.226.3900.

We are thankful you have chosen to finance your loan with ēCO Credit Union!

*Deferment of this payment may cause an increase in the final payment on your loan. Certain loan types may be excluded and all extensions will be subject to credit union approval. By signing, you and any cosigner authorize the credit union to advance the due date on the loan(s) specified by one month. Interest will continue to accrue on the balance of the loan from the last payment date. Loans must be current to qualify. All other terms and conditions of the loan(s) will remain. Loans excluded from this offer are VISA, real estate, single pay loans or lines of credit. GAP insurance may not apply to the extended loan term. If paying a $34 fee through a transfer from a share or share draft account, funds must be available over any minimum balance requirement to cover the fee at the time this form is processed. The primary and all joint/co-signing members/owners must sign the request form to skip the loan(s). Subject to credit union terms and conditions, may be changed without prior notification.

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