The well-loved Skip-A-Payment program has been enhanced in 2021 to better meet our members needs.  Instead of limiting participation to November, December and January, the ability to skip a payment (or two) will now be available all year.  Members in good standing can select the timing that works best for their family. 

The basic principles of the program remain in place:

  • Members may self-approve and skip up to two loan payments on each loan during the calendar year.
  • There is a $15 charge for each skipped payment.
  • The credit union accumulates the fees, then donates the total to the Boys and Girls Club of Abilene to support their work with Abilene's children and youth.

A note of caution - two really does mean two.  If you skip loan payments in June and July, you will not be eligible to skip additional payments during the holiday season.  Please be aware of this limit when planning your budget. 

Skip requests can be entered electronically using our mobile app or online banking.

Mobile Banking App

In our phone or tablet app, tap on the 'More' heading, then tap 'Skip a Payment'. Follow the prompts from that point.

Online Banking

After logging in to online banking, look for the Skip A Payment section located directly below the Make a Payment box. Follow the prompts from that point.

Traditional Method

If you would like to use the tried and true method to request skips, please drop by a branch or call us at 677-2274 or 800-677-6770 to get the process underway.

Allow Extra Time

If your loan payment is being made automatically from an outside financial institution or from another account at ATFCU, please initiate your skip request or contact us at least 5 business days in advance of your payment date so that the proper loan modifications can be completed.

If you have set up your own recurring loan payment in digital banking, remember to cancel payments already scheduled for the months to be skipped.


Since the 2003 start of the Skip-a-Pay program, Abilene Teachers FCU members have donated more than $2 million to the Boys and Girls Club. This significant amount has allowed for club expansion and enhanced programs. On their behalf, thank you for your enthusiastic participation!

The Small Print

Skip payments are subject to ATFCU approval and are not available for real estate, home equity, home improvement, overdraft, line of credit, or credit card loans. New loans that have not had a least one full monthly payment are not eligible. Full insurance coverage must be in effect for vehicle loans.

Other restrictions may apply.  Payment skips or extensions will affect interest accrual, final payoff date, GAP settlements, and equity in collateral.