Memphis City Employees Credit Union Holiday Skip-A-Payment

Don’t let the worry of holiday bills spoil the season. Instead, sign up for Memphis City Employees Credit Union’s Holiday Skip-A-Payment program and skip December’s payment on your qualifying loan(s). Use the extra money to pay for holiday expenses or a winter vacation.
Complete your Skip-A-Pay request indicating which loan(s) you would like to skip a payment, and we’ll make the changes. You will be signing this form electronically with our secure DOCUSIGN® feature.
If you make your loan payments through your payroll with payroll deduction, your payment will be deposited into your Share Savings Account. All information requested must be completed and submitted for request to be processed. Signed requests must be received by Friday, November 28, 2025.
*Give Yourself a present. Sign up today!
*I fully understand that by skipping a payment that interest does still accrue daily, therefore, skipping a payment may result in less funds being applied to the principal of the loan when I do make my next payment, which will result in extending the original term of my loan. Granted extension requests will equal a one-month skip, regardless of frequency. Other restrictions apply. All accounts must be current, and members must be in good standing to qualify. First Mortgages, Equity Loans, Mastercard Credit Cards, RBO Loans, Debt Consolidation, Vacation Loans, Helping Hand Loans, and Express Loans are excluded.
IMPORTANT DISCLOSURE for MEMBERS WHO have GAP (GUARANTEED ASSET PROTECTION): Per your GAP contract, Maximum number of skipped months allowable for coverage on vehicle per loan term is 12. By extending your loan with Gap coverage, your guaranteed asset protection value could be effectively less (see your contract).
IMPORTANT DISCLOSURE for MEMBERS WHO have GAP (GUARANTEED ASSET PROTECTION): Per your GAP contract, Maximum number of skipped months allowable for coverage on vehicle per loan term is 12. By extending your loan with Gap coverage, your guaranteed asset protection value could be effectively less (see your contract).
Spend More, Earn More this Holiday Season!
Earn 10,000 bonus rewards points when you spend $1,500 on your Mastercard Platinum Rewards Credit Card during November and December!
Don't have our Mastercard Platinum Rewards Card? Apply Now!
*Balance transfers are not eligible for rewards points
Fall into a Great Auto Rate!
Rates as low as:
4.49% APR* 60 Months
4.99% APR* 72 Months
5.79% APR* 84 Months
