SKIP-A-PAY

Remember that classic moment when someone got a little too close to the flagpole? Don’t get stuck like Sparky! Warm up your wallet by skipping your loan payment this December or January with FFCCU’s Winter Skip-A-Pay.

We’re giving qualified* FFCCU members the opportunity to skip their December 2025 or January 2026 loan payment. If you choose to skip a payment, your current due date will be advanced one month forward, just as if you paid. Interest will continue to accrue on your loan and all terms and conditions will remain the same. A $30 processing fee applies.

  1. Log in to your online banking
  2. Click on “Payments” (menu on the left), and click on “Skip a loan payment.”
  3. Any qualified loans will appear, and you simply follow the instructions on that page to enroll.

Please note: If you use our loan payment center, you will need to login and pause your loan payment there as well.

Check out our video tutorial for detailed instructions.

  1. Log into our mobile app. Don’t have it? download it now
  2. Tap the hamburger (3 lines) menu on the top left
  3.  tap “Payments” and then tap “Skip a loan payment.”
  4. Any qualified loans will appear, and you simply follow the instructions on that page to enroll.

Please note: If you use our loan payment center, you will need to login and pause your loan payment there as well.

Check out our video tutorial for detailed instructions.

  1. Click to fill out our DocuSign registration form.
  2. Once your form has been processed you will receive a confirmation email. 

Please note: If you use our loan payment center, you will need to login and pause your loan payment there as well.

  • Call us at 216.621.4644. Please have your account number available.
  • Text “Skip A Pay” to 216.621.4644 to get started. Please have your account number available.

Please note: If you use our loan payment center, you will need to login and pause your loan payment there as well.

  • Chat with us by clicking the “Live Chat” button on bottom right corner of this page

Please note: If you use our loan payment center, you will need to login and pause your loan payment there as well.

  • Visit any of our branches and we’ll look up your account and help you complete your Skip-A-Pay!

Please note: Automatic payments set-up through our loan payment center must ALSO be paused in the loan payment center, in addition to completing one of the actions listed above. FFCCU cannot process your loan pause for you. Failure to pause automatic payment setup through the Loan Payment Center may result in your payment being taken despite your enrollment in Skip-A-Pay.

KUDOS!

Beth was great to work with! Super responsive. The entire process was so smooth and easy!

-Brooke G.

Our Financial Service Rep spoke with the travel agency directly to ensure payment for our dream vacation made the deadline. The process reaffirmed that FFCCU is the best credit union for us!

-The Freeborns

Shared branching lets me, as a member of an out-of-town credit union, access FFCCU’s services. I have never had a bad experience working with FFCCU and appreciate that they have helped me make large d...

-Paul P.

I’ve been with FFCCU for over 25 years and always have great experiences. Lisa Snell was no exception: whether online or meeting in person to close my auto loan, she’s fantastic!

-Julie Z.

Faith Thomas is the absolute best! She made sure everything was perfectly done – even staying late! She even went above and beyond the next day by reaching out to me to confirm all was well. Faith wil...

Cayla V.

Berto was awesome. I joined up today as a brand new member, and he helped in every possible way to make the process smooth and complete. Thanks, Berto!

-Karen

Once again, great service here! My membership goes back almost 40 years with Firefighters Community Credit Union. Never a disappointment.

-Dave

Customer service is very understanding, and they make sure that your needs are met. I have been with the Firefighters Community Credit Union for over 40 years and I will remain a member.

-Teresa G.

I feel good using a credit union instead of a regular bank. Having the interactions with FFCCU teammates has been a gamechanger. It’s completely changed the way I see myself interacting with my financ...

William W.

Fortunately, we found out about the mortgage program at FFCCU. We had originally applied for a loan through a bank, but they were not interested in helping us. FFCCU put through our loan in a timely m...

-John B.

Clicked the “Live Chat” button, asked my question, got my answer literally within a minute. THIS is what support from a banking institution should be like. Thanks so much for your help!

-Ryan M.

We want to give a shout out to Margaret from the Emerald Branch, she was excellent in helping us with our accounts. She made it easy to understand and to do. She even came in on her day off to help us...

-John D.

More Kudos!

*Terms and conditions apply:     Skip-a-Pay is available to qualified members from November 19, 2025 – January 28, 2026. By enrolling in Skip-a-Pay, you agree to the skip payment terms and conditions. There is a $30 processing fee for this service and this fee does not reduce the principal balance of your loan(s). This Skip-a-Pay program will defer your FFCCU loan payment by 30 days and will result in an extension in the original loan term. Interest will continue to accrue at the rate disclosed in your original loan agreement and will result in a larger final payment due. FFCCU will update the due date and repayment schedule accordingly. This is an amendment only, credit insurance premiums (if applicable) and all other terms and conditions of the original loan agreement remain in full force. If you use payroll deduction or automatic payment transfer for your loan payment from an FFCCU account, the funds will remain in your account and will be available for withdrawal. Member is responsible for any payment changes by other financial institutions that make payment to your FFCCU loan. Member must sign up for Skip-a-Pay promotion at least one week prior to the due date of the loan payment to be skipped. The following FFCCU loan types are not eligible for the Skip-a-Pay (SAP) promotion: mortgage loans, credit cards, emergency loans, fresh start payment plans, overdrafts, any loan that previously exercised this option (SAP) within the past 12 months, any loan that has exercised a COVID-19 related deferment. Loan payments over $1000 do not qualify. All member’s loans and accounts must be current and in good-standing to qualify.