Take a break from your loan!
We can help you get the extra cash you need by letting you postpone up to two monthly loan payments* per year without hurting your credit with Skip-a-payment! We understand that there are times where some extra cash can go a long way, so get the break you deserve with Skip-a-Pay.
The following loans do not qualify for our skip-a-pay program:
- Mortgages
- Any Lines of Credit
- Visa
- Home Equity
Here’s how to participate:
Digital Banking
Skip a payment in 3 easy steps with Digital Banking.
- Log in to Digital Banking either at www.heritagefederal.org, or through your Heritage Digital Banking App
- Click More
- Click Accounts
- Click Skip-A-Pay and process your request
For additional help, the below video walks you through step-by-step on how to utilize Skip-a-Pay within your Heritage Digital Banking App.
Visit a Branch
Use our Branch Locator to find the branch closest to you.
Have a question? Let’s chat! You can send us a message using the “Let’s Chat” button at the bottom of this screen to connect directly with a live Heritage agent or visit our Contact Us page to learn more.
*You must be in good standing with the credit union. The loan must not be any loan secured by real property, revolving loans (i.e., Consumer LOC, Home equity lines of credit and credit cards), or single payment notes. The loan must be open for at least 180 days. A skip payment can be performed once in January-June and once in July-December. A maximum of 6 skip payments over the life of the loan. You must not have any loans currently over 30 days delinquent. You must have a perfected title for all applicable loans.
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