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How do I know if I am eligible for Skip-a-Pay?

What Is the Skip-a-Pay Program?

HRCCU allows you to save money with the Skip-a-Pay Program or during holidays by skipping a designated number of loan payments and adding it to the end of your loan term.

Skip-a-Pay Program Eligibility

You are eligible for the Skip-a-Pay Program if you meet the following requirements:

  • Your loan must be at least six months old
  • If you have an eligible loan
  • Your loan must be current and/or 30 days delinquent for the last six (6) months and must not be delinquent more than five (5) days at the time of the request

You may not be eligible if the following is applicable to you:

  • If you have had prior loan extensions performed by the Financial Solutions Department
  • If the account has been flagged for bankruptcy

Need further assistance? You can also call us at 518-886-3400 for support during normal business hours.

Current Rates

Auto Loans
APR as low as
3.99%
Fixed Rate 36 Month
Mortgages
APR as low as
5.50%
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
2.99%
Adjustable 7/1 ARM (HELOC only)
VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
logos of Bauer 5-star, America's Credit Union, Community Development Financial Institution, Equal Housing Opportunity, Marshall & Sterling Insurance, and National Credit Union Administration

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