Need a break from your loans?

At Advantage FCU, you have the ability to Skip-A-Payment on your eligible loan through Online Banking!


Members with eligible loans have the option to Skip-A-Payment up to THREE times per loan, within a consecutive 12-month period. However, there is a maximum of TEN skips during the lifetime of the loan(s).

On any of the following eligible loans you can Skip-A-Payment:

  • New or Used Car Loans
  • Debt Consolidation Loans
  • Personal Loans
  • Home Improvement Loans
  • Boat/RV/Motorcycle Loans

To Skip-A-Payment choose one of the following:

  • Log into Online Banking and click the Skip-A-Payment tab.
  • Call 585.454.5900 and speak with a Member Service Representative.
  • Visit one of our eight branch locations.

*Individual Fee – $30 per skip. There is a $30 processing fee per loan skipped and your Primary Share (savings) Account must have the required $5.00 minimum balance. Interest will accrue and the maturity date of all loans affected by the program will be extended. Skip-a-payment may not be eligible until six months to two years from the effective start date, depending on your loan type. Maximum of 10 skips during the lifetime of the loan. We reserve the right to decline your request if you have negative share account balances, or your account is otherwise not in good standing. The decision to grant extensions is based solely on the discretion of Advantage FCU. This offer is not available on revolving lines of credit and real estate loans. Payments may not be skipped two consecutive months. If you use a bill pay service from Advantage FCU or other financial institution, once your skip has been successfully processed, you will need to stop and restart the payment.