Holiday Skip-A-Pay

Enjoy a little extra flexibility this holiday season.

The holiday season can bring plenty of extra expenses. Beginning October 14, eligible Members can choose to skip one Auto or Personal Loan payment in November or December and put that money toward gifts, celebrations, travel, or whatever matters most this holiday season.

With H-E-B Federal Credit Union’s Holiday Skip-a-Pay program1, you can skip your eligible loan payment and put that money toward what matters most to you this summer.

Starting October 14, 2026, eligible Members can skip one loan payment, either in November or December. Use those funds for:

  • Holiday shopping and gifts
  • Holiday travel
  • Seasonal activities and events

Starting October 14, 2026, you can access your Skip-A-Pay offer by logging into Online Banking or the mobile banking app.

  • Log in to Online Banking and look for “Skip-A-Pay” on your homepage. You’ll see it on the right-hand side under the product drop-down menus at the bottom right of the home page. Click on the “Skip-A-Pay” image to get started.
  • In the mobile app, click on “More” at the bottom of the home screen and then select “Skip-a-Pay” at the top of the next screen.

If your loan payments are made by a systematic transfer from an H-E-B FCU checking or savings account, the transfer will not be made, and the funds will remain in the account.

If you mail your loan payments, make payments as a manual transfer through Online Banking, or use Bill Pay, you can skip the payment(s) for the month you choose.

If you have your loan payment(s) scheduled to transfer automatically through Online Banking or from another financial institution, you will need to cancel the scheduled transfer. Don’t forget to reschedule your transfer so your payments resume before the next payment is due.

Important notes:

  • Your payment(s) must be made for the month preceding the month you choose to skip. For example, if you choose to skip November, your October payment(s) must be made before you can request the skip.
  • There is a $25.00 processing fee for each loan you include in the program.
  • You can select to pay the fee from your checking or savings account at H-E-B FCU.

A list of your loans that are eligible for the Skip-a-Pay program will be displayed in Online Banking 1 – 2 business days after you make the final payment for the month preceding the month you choose to skip.

You are eligible to skip your payment(s) for one month if your loan was opened at the credit union before June 1, 2026.

These loans are excluded from Skip-a-Pay:

  • Real estate loans, including home equity loans
  • Lines of credit
  • Loans secured with a certificate or savings account

If you have questions about skipping a payment on your loan call or text us at 210-938-7850. Enjoy your holidays to the fullest with H-E-B FCU’s Holiday Skip-A-Pay!

1 Participating in Skip-a-Pay will extend your loan’s maturity date. Interest will continue to accrue on the unpaid balance during the month you skip a payment. A $25.00 nonrefundable processing fee applies for each loan included in the program. To be eligible, you must be in good standing and have all loans current. The credit union reserves the right to decline any Skip-a-Pay request.