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Take a break from your loan!

We can help you get the extra cash you need by letting you postpone up to two monthly loan payments* per year without hurting your credit with Skip-a-payment! We understand that there are times where some extra cash can go a long way, so get the break you deserve with Skip-a-Pay.

The following loans do not qualify for our skip-a-pay program:

  • Mortgages
  • Any Lines of Credit
  • Visa
  • Home Equity

Here’s how to participate:

Digital Banking

Skip a payment in 3 easy steps with Digital Banking.

  1. Log in to Digital Banking either at www.heritagefederal.org, or through your Heritage Digital Banking App
  2. Click More
  3. Click Accounts
  4. Click Skip-A-Pay and process your request

For additional help, the below video walks you through step-by-step on how to utilize Skip-a-Pay within your Heritage Digital Banking App. 

Visit a Branch

Use our Branch Locator to find the branch closest to you.

Have a question? Let’s chat! You can send us a message using the “Let’s Chat” button at the bottom of this screen to connect directly with a live Heritage agent or visit our Contact Us page to learn more.

*You must be in good standing with the credit union. The loan must not be a mortgage or workout loan. The loan must be open at least 180 days. A skip payment can be performed every 180 days since the last skip payment with maximum of twice per calendar year on a given loan. A maximum of 4 skip payments over the life of the loan. You have not been more than 30 days past due within the last 12 calendar months. You must have a perfected title. 

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