Holiday Bills Coming Due?

Keep comfort and joy a priority with our holiday recovery options:

Holiday Recovery Loan

  • Get cash to cover holiday expenses
  • Borrow up to $5,000 for 12 months*
  • Competitive rates – as low as 3.625% APR**
  • Easy application process
  • Local decision making and processing
  • Friendly, attentive service from start to finish

Apply Now

*APR = Annual Percentage Rate. Fixed loan rate current as of 11/01/19 and expressed “as low as.” Holiday recovery loans are available through 1/31/20, or while funding lasts. Loans available up to $5,000, and subject to approval. Repay in up to 12 months. For a $5,000 holiday recovery loan with a term of 12 months at 3.625% APR, monthly payment will be $424.90. Additional qualifications may apply. See SCFCU for details.

Skip A Payment

Put extra jingle in your pocket when you skip a loan payment.

  • Skip your January payment on qualifying loans
  • All skipped payments are added to the end of the loan term, and interest continues to accrue during the skip
  • There is a $35 processing fee per skip, per loan
  • You can skip up to two loan payments per calendar year


Login to Home Banking


Complete Request Form

By participating in SCFCU’s Skip A Pay program, you must be a member in good standing with all of your loans current (less than 10 days past due), and have been opened for at least 180 days. Loans are limited to two (2) Skip-A-Pay per calendar year, up to a maximum of twelve (12) per loan term, and skipped payments must be at least 61 days apart. There is a $35.00 processing fee to skip each payment on each loan. The following loans are eligible: New and Used Auto, Motorcycles, Recreational Vehicle, and Personal loans. Mortgage loans, Savings Secured loans, Home Equity loans, Lines of Credit and Credit Cards are not eligible for the Skip-A-Payment program.

Deferring your loan payment will result in an extension of the original term and that interest will continue to accrue at the rate disclosed in your original loan agreement. You will then have to make extra payment(s) after your loan would otherwise have been paid off. All other terms and conditions of your loan agreement remain in force.

When payments resume, unpaid interest will be collected first. You will resume making scheduled payments beginning with the payment due during the month following the deferral and make all scheduled payments due thereafter. These payments will be applied first to finance charges and late charges, if any, and then to principal.

By skipping a payment the benefit from debt protection products and GAP policies may be reduced by the amount of the payment skipped. Please refer to your GAP Policy for complete information.