Holiday Skips require Lending Department approval and a signed Holiday Skips Agreement from the borrower(s) and all co-borrowers, and are offered for the payment due in either the month of December 2018 or January 2019. Available to members who have been in good standing with the following: Auto Loan(s), Platinum Visa Credit Card, Personal Line of Credit and/or Personal Loan(s). There is a $25 fee for each Holiday Skips. No late fees (or penalty credit card APR) will apply. Interest and finance charges will continue to accrue on the unpaid balances. If you elect to “skip” your December or January payment(s) and make only your minimum payment(s) in the future, it will take longer to pay off the unpaid balance or there will be a balloon payment upon the maturity date and the total finance charges you will pay will be higher than if you make your December or January payment(s) as regularly scheduled. Holiday Skips is not available on loans secured by real estate. Other restrictions may apply. Call for complete details.