How does Skip-a-Pay affect my loans?

The Skip-a-Pay Program is available to HRCCU members looking to free up some extra cash, especially for the holiday season. You can skip loan or credit card payments for a designated time if you are eligible.

Here is how skipping a month’s payment on a loan will affect it:

  • The skipped months will be added to the end of your loan, extending the loan term, and changing the total amount and schedule of repayment.
  • Interest will continue to accrue at the rate set forth in the loan or credit agreement during the skipped months and after the deferral period; there will be an increase in the total finance charges.

In all other respects, the provisions of the loan or credit agreement shall remain the same.

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
5.50%
Fixed Rate 36 Month
Mortgages
APR as low as
6.00%
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
5.95%
Fixed Rate 5-year fixed
VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
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