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Security Warning: Unauthorized access or attempts to upload and/or change information on this website are strictly prohibited and subject to prosecution. It is our policy at First Choice Financial FCU to never request account and other confidential information via email. If you suspect an email message, or website to be of fraudulent activity, to be claiming to be affiliated with FCFFCU, and asking for confidential information, please contact us immediately at 518-725-3191.



NMLS# 800563 Routing Number 221376186
title

Pick Your Skip
ice cream cones
title
Looking for a little more room in your budget? Pick Your Skip is a great way to give yourself a break during the holidays, for summer travel or any time of the year.
Skipping a loan payment can be an easy and convenient way to give yourself a little extra cash.

A $25 Fee will be charged for each loan payment skipped.

Loans that are eligible for the Pick Your Skip Program include:


• Personal
• Auto-New/Used
• RV/Recreational
• Home Improvement
• Special Personal Loans
• Fully Share Secured/Certificate Secured Loans
Loan Accounts Must be Current

Excluded Products/Loans:

• Loans with original loan date for less than 6 months
• Retained Mortgages
• Fixed Rate Home Equity and HELOC Loans
• VISA Credit Cards
• Overdraft
• Revolving Open-End/ PLOC
• Out On Disability Loans
• Charge Off Accounts
• Accounts Over 30 days delinquent
• Negative Share “0”
• PBL loans


Click Here for Application

Print and fill out the application then submit to any one of our branches.
We will let you know if your loan is eligible to be skipped.
title




Guidelines:

No more than 1 Skip Payment in any 12 month period on the same loan (Maximum of 6 per the life of loan)
Deferred payment may result in member paying more interest than if payment made as stated in original loan agreement.
Deferral may extend the terms of loan.
Member is required to resume payments the month following the month skipped.
Consecutive payments on the same loan may not be skipped.
Member responsible for the entire outstanding principal and interest of loan(s) and will be responsible to make the monthly payments after the original maturity date until all principal and interest is paid in full. Pledge of security shall remain in effect until the loan(s) is/are fully repaid.
Any Credit Life and/or Credit Disability Insurance, or GAP coverage on loan(s) may not extend beyond the original maturity date.
Skipping a payment may reduce the amount of GAP claim (refer to GAP policy)

**First Choice Financial FCU reserves the right to decline any Pick Your Skip request due to poor payment performance, or any other circumstances we deem derogatory related to the account. Other restrictions may apply**
title

Pick Your Skip
ice cream cones
title
Looking for a little more room in your budget? Pick Your Skip is a great way to give yourself a break during the holidays, for summer travel or any time of the year.
Skipping a loan payment can be an easy and convenient way to give yourself a little extra cash.

A $25 Fee will be charged for each loan payment skipped.

Loans that are eligible for the Pick Your Skip Program include:


• Personal
• Auto-New/Used
• RV/Recreational
• Home Improvement
• Special Personal Loans
• Fully Share Secured/Certificate Secured Loans
Loan Accounts Must be Current

Excluded Products/Loans:

• Loans with original loan date for less than 6 months
• Retained Mortgages
• Fixed Rate Home Equity and HELOC Loans
• VISA Credit Cards
• Overdraft
• Revolving Open-End/ PLOC
• Out On Disability Loans
• Charge Off Accounts
• Accounts Over 30 days delinquent
• Negative Share “0”
• PBL loans


Click Here for Application

Print and fill out the application then submit to any one of our branches.
We will let you know if your loan is eligible to be skipped.
title




Guidelines:

No more than 1 Skip Payment in any 12 month period on the same loan (Maximum of 6 per the life of loan)
Deferred payment may result in member paying more interest than if payment made as stated in original loan agreement.
Deferral may extend the terms of loan.
Member is required to resume payments the month following the month skipped.
Consecutive payments on the same loan may not be skipped.
Member responsible for the entire outstanding principal and interest of loan(s) and will be responsible to make the monthly payments after the original maturity date until all principal and interest is paid in full. Pledge of security shall remain in effect until the loan(s) is/are fully repaid.
Any Credit Life and/or Credit Disability Insurance, or GAP coverage on loan(s) may not extend beyond the original maturity date.
Skipping a payment may reduce the amount of GAP claim (refer to GAP policy)

**First Choice Financial FCU reserves the right to decline any Pick Your Skip request due to poor payment performance, or any other circumstances we deem derogatory related to the account. Other restrictions may apply**
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