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Is Skip A Payment Right for Me?

Through any uncertainty, it's important to assess whether or not Skip a Payment is right for you and your finances. Answer the following questions when considering whether or not to use Skip a Payment. 

  1. Do you have a loan with HRCU?
  2. Are you facing a job layoff, furlough, business shutdown, or unexpected medical crisis? 
  3. Do you understand that interest will continue to accrue during the skipped payment?

If you answered yes to these questions, reach out to us to see what your options are for weathering the storm. We'll be happy to help. 


How to Apply

Simply fill out the Skip A Payment Application and return it to us by dropping it off at a branch, emailing it to consumerlending at hrcu dot org, or mailing it to P.O. Box 2078, Rochester, NH 03866. We’ll do the rest!



  • A processing fee of $25.00 per month skipped per loan will be charged for this program. If you do not have the necessary funds in your account, please submit a check with your Skip A Payment Application.
  • Loans must be current at the time of request and must be active for at least six (6) months with at least five (5) payments made on the loan in order to qualify for the program. All Real Estate Loans (i.e., Mortgages, Home Equity Lines of Credit Loans, Home Equity Loans, and Home Improvement Loans, etc.), Personal Lines of Credit and Visa® accounts are NOT eligible. Application and approval are required for all skipped payments. All applications are subject to HRCU’s final approval and all applicants will be contacted with a decision.
  • Offer is not valid to members who have had loan extensions within the last year. Applications should be received at least four (4) business days prior to loan due date. Interest will continue to accrue on unpaid balances through skipped payment period.
  • Members may only have five (5) skipped payments for life of loan and are only allowed a maximum of (2) skipped payments in a rolling 12 month period.