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United Bay Community Credit Union
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UBCCU Happy Holiday Skip-A-Pay


Effective: November 1, 2017



End: December 31, 2017

Happy Holiday Skip-A-Pay

Add A Little Extra Wiggle Room To Your Holiday Budget!

If you're having trouble finding the extra money you need for holiday shopping, then our Holiday Skip-A-Pay program may be just what you need. With Skip-A-Pay, you can choose to skip your UBCCU loan payment(s) for the month of November or December and add a little extra wiggle room to your holiday budget.


  • You must have $5.00 in your share account.
  • You must have made at least one payment on the loan and be current on all loan payments.
  • You must authorize a payment of $25.00 per loan payment skipped. If funds are not available, this offer is void.
  • The payment you skip will be added to the end of your loan term and normal interest charges will continue to accrue.
  • You may choose to skip your November or December payment, but not both.
  • All signers on the loan must sign the skip-a-payment form.
  • Skip-a-payment cannot be applied to VISA® payments, Real Estate loans (Mortgage Loans and Home Equity Loans), holiday loans or student loans.

To take advantage of Skip-a-Payment, simply complete and return the Skip-a-Payment form at least 10 days before your payment is due.

Skipping your November or December payment will extend the loan(s) past maturity. Doing so will not affect your payment record since the skipped payment will be added to the end of the loan. Interest will continue to be calculated on the outstanding balance. A $25.00 skip-a-payment fee will be charged per loan skipped. Please note: Skipped payments, including approved skipped payments, may not be covered by GAP. In the event of a GAP claim, any skipped payments may be deducted from the outstanding balance paid off by GAP.

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Invest in America

The Savings Keep Growing for United Bay Community Credit Union Members with Invest in America

United Bay Community Credit Union is proud to participate in Invest in America, a unique program offering our members discounts on products and services from U.S. based companies. It not only gives our mebers valuble discounts, but it also increases sales for the participating companies and, on a larger scale, helps stimulate the U.S. economy. Basically, Invest in America is a win-win for everyone.

Simply visit www.LoveMyCreditUnion.org to learn how, as a member of United Bay Community Credit Union, you can recieve money-saving discounts from: General Motors, Sprint, Allied Van Lines, FTD, CU Benefits Express, CompleteTax, DIRECTV and through ShopAmerica, a new online mall specifically for credit union members.

United Bay Community Credit Union is here to help our members save with respected U.S. companies at a time when everyone needs it most. To learn more about Invest in America and details on all the current discounts visit LoveMyCreditUnion.org.

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UBCCU is proud to offer you and your family/friends a FREE DISCOUNT DRUG CARD. For additional information, click here.
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    The mission of United Bay Community Credit Union is to be our members' primary financial
    institution, providing them with quality, confidential, professional and personal service, while
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