ONLINE BANKING LOGIN Forgot Password? | Enroll Loans Accounts Convenience Resources Why IHCU? Skip-a-Payment Freeze your loan payment! If you're worried about holiday expenses snowballing this season, call on Skip-a-Payment. With a little extra cold cash in your pocket, you can: Purchase presents with confidence Show the family some winter fun Give your budget a boost Watch your holiday stress melt away - for only $35 per skipped loan payment. Eligible loans include: Auto Loans RV, Boat, and ATV Loans Signature Loans More Details: You can only skip twice in one year with at least 90 days between skips and a total of six over the life of the loan. IHCU must receive a Skip-A-Pay application two weeks prior to the due date of the loan payment. If received after that, the following month's payment will be skipped. You must have made six (6) monthly payments on the loan, and it must be current in order to be skipped. This offer excludes real estate loans, credit card loans, line-of-credit loans, troubled-debt restructured loans, and loans reaffirmed after bankruptcy. This offer does not guarantee eligibility or approval. There is a $35 Skip-A-Payment fee. Rates, terms, conditions and loan eligibility may change at any time. IH Credit Union Skip-a-Payment Application, Disclosures, & Agreement Primary Member First Name* Middle Name Last Name* Home Address* Address Line 1 Address Line 2 City Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virgin Islands (US) Virginia Washington West Virginia Wisconsin Wyoming Armed Forces (the) Americas Armed Forces Europe Armed Forces Pacific Army Post Office (U.S. Army and U.S. Air Force) Fleet Post Office (U.S. Navy and U.S. Marine Corps) State ZIP Code Social Security Number (TIN)* Member Number* Home Phone Number Email Loan Number* Loan Number Loan Number Month to Skip Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2021 2022 2023 2024 2025 2026 A fee of $35 per loan being skipped is due and payable upon execution of the Skip-A-Payment. I authorize IH Credit Union to:* DEDUCT $35 FEE FROM IHCU SAVINGS ACCOUNT DEDUCT $35 FEE FROM IHCU CHECKING ACCOUNT ADD THE $35 FEE TO MY LOAN* *If I request that the fee be added to my loan balance, I understand and agree that my election will result in a modification of my Loan Agreement, interest will accrue on the overall loan balance (including on the fee) and my election may result in a larger final payment. Primary Signature* [clear] Use your mouse or finger to draw your signature above Joint Owner Signature (if applicable**) [clear] Use your mouse or finger to draw your signature above ** All parties on the loan(s) must sign this form. By signing, you certify that ALL borrowers to the applicable loans identified above have consented to and authorized the loan modification(s) and you agree to hold IHCU harmless from any and all claims brought by any party challenging such consent and authorization or the validity of any voluntary loan modification. By signing above, you authorize IH Credit Union to modify your existing loan(s) and extend your final loan payment(s). You understand and agree that: (i) interest will continue to accrue on your loan(s) during the month you skip your payment; (ii) exercising the skip payment will extend the time it takes you to pay off the loan(s); and (iii) skip payments will result in your paying more total interest on your loan(s). You understand and agree that any additional payments (those beyond the original maturity) resulting from the exercise of the skip payment may not be covered by credit insurance, GAP, or other insurance or debt protection products and that it is your responsibility to verify the impact of any skipped payments(s) on your insurance coverages. The $35 processing fee per loan will be automatically deducted from your IHCU account or added to your IHCU loan the day the signed Skip-A-Pay Application is approved and processed. For purposes of this offer, one monthly payment will equal four (4) weekly payments, two (2) semi-monthly payments or (2) bi-weekly payments. You are responsible for suspending any automatic or third-party payments for the month of the skip. On your next regular payment date, the regular monthly payment obligation of your loan agreement will resume. This offer does not guarantee eligibility or approval. IHCU must receive this application two (2) weeks prior to the due date of the loan. If received after that, the following month’s payment will be skipped. You can only skip twice in one year with at least 90 days between skips and a total of 6 over the life of the loan. Your account must be in good standing, you must have made six (6) monthly payments on the loan and it must be current in order to be skipped. This offer excludes real estate loans, credit card loans, line-of-credit loans, troubled-debt restructured loans, and loans reaffirmed after bankruptcy. Rates, terms, conditions and loan eligibility may change at any time. Loans Loans for Every Purpose Loan Rates Financial Calculators Mortgage Rates Student Loans Business Lending Visa Credit Cards Printable Applications and Forms Convenience Payments Credit Forgiveness Quick Contact Telephone: 1-800-576-IHCU or 1-937-390-1800 E-mail us Routing Number ABA/Routing # 242279068 Website Accessibility If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us by calling 1-800-576-IHCU or 1-937-390-1800 or email us at info@ihcreditunion.com. All products and services available on this website are available at IH Credit Union branches. Lost or Stolen Cards Lost or stolen Credit Card: 1-855-639-9081 Lost or stolen ATM or Debit Card: 1-800-472-3272 Quick Links Reorder Checks Credit Card Access File Upload Form Wiring Instructions Privacy Policy Your savings insured to $250,000 per account. This institution is not federally insured. MEMBERS’ ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY. Financial Wellness MoneyED: A Personal Finance Program Trinity Debt Management Search Find a Co-Op Shared Branch Insurance AD&D Insurance Calland & Campbell TruStage Insurance © 2021 IH Credit Union