Your Local Credit Union

Skip a Payment

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Loan Payment Extensions

Skip-a-Payment*

Many members, at times, run into extra expenses and may need a little extra cash. We charge a $40 service charge for “skipping a payment” and yet it may still be the least expensive way to cover extra expenses.

Eligible loans for Skip-a-Payment include car loans, lines of credit, personal unsecured loans, recreation vehicle loans and other secured loans. To request a Skip-a-Payment apply online below or call us at 435-436-8288.

*Skip-a-Payment: to qualify, you must have a satisfactory payment history. UHCU may deny your request for any reason. Skipped payments are not waived or forgiven; they are simply deferred and must be paid later. Your payments must resume following the skip; your payment the following month will be due on the same date of that month it would have been due in the absence of a skip/deferment the prior month. Interest will continue to accrue during the deferral period and until your loan is repaid in full. Deferring a payment can cause negative amortization on your loan. All terms of your loan agreement(s) remain unchanged if UHCU approves your request except: (a) the payment schedule will lengthen by one month or number of months of the skip payment, and (b) debt cancellation and protection products now in effect may not provide protection beyond the original maturity date. UHCU reserves the right to not offer you a payment deferral in the future. Currently not available on first mortgages, second mortgages, and business loans. This offer is subject to change at any time. Some restrictions may apply. Limited time offer. Insured by NCUA.

Skip-a-Payment Form

Use this form for Auto and Personal Loans only. CALL FOR MORTGAGE LOAN MODIFICATIONS which require a signed “subsequent action form.”

Regular-Skip-a-Payment Application
Primary account holder's name

Required Information

Enter your member number
Enter the loan suffix
I authorize you to charge the following account $40.

Co-Borrower - if applicable

If there is a Co-Borrower on your account we must verify their approval in writing, by e-mail or by phone.
E-sign Disclosures - By submitting this form you are electronically submitting an application to skip a payment on your loan. By clicking here you are opting-in to receiving disclosures electronically as a convenience. Of course, you always have the option of applying in person or by mail. You are also advised that you have the legal right to obtain any records regarding your account in paper form. To get your records in paper form, please call us at 435-436-8288 or write to us at Utah Heritage Credit Union, 84 West Main, Moroni, Utah.

For Office Use Only:

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Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. More information.

Utah Heritage Credit Union is an Equal Housing Lender.

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