Skip to main content


Android users may experience intermittent issues when logging in to the Mobile App. You can still access Online Banking via a desktop or mobile browser. We apologize for the inconvenience and are working to resolve the issue.

Sign In
UHCU Skip A Pay

Holiday Skip-A-Pay

Deck the halls this winter with our Skip-A-Pay program, which allows you to skip your November, December or January loan payment.

Don't forget that you can choose to donate $10 of your Skip-A-Pay fee to the United Heritage Charity Foundation, which helps local charitable organizations.

How to Submit a Request


Complete the secure, electronic Skip-A-Pay request form via DocuSign.

  Get Started

In Person

Download the PDF form and drop it off at a UHCU branch location.

  View Locations

By Mail or Fax

Download the PDF form and mail or fax to:

P.O. Box 1648
Austin, Texas 78767
Fax: 800.622.4037

Skip-A-Pay: Home Equity, Home Improvement, Mortgage, Lease and Business Loans are not eligible. Newly originated loans with less than 6 completed on-time payments are not eligible. For eligible loans qualifying factors apply including but not limited to a minimum of 6 completed on-time payments since most recent deferral. Acceptance of your request in person, by mail or electronically does not constitute approval. Skipped payment is added to the end of the loan term which extends the loan term at least one payment. Loan interest continues to accrue which increases the amount of interest paid over the term of the loan. Multiple Skip-A-Pays applied to any loan extends the repayment term of the loan by multiple payments and increases the interest paid over the term of the loan. In the event of a claim, Guaranteed Asset Protection (GAP) may be affected. For an approved request, a $20 fee is added to the applicable loan’s outstanding principal balance. Approved requests are eligible for one month only and must be submitted at least 3 days before the requested skip loan due date. 

Donation: United Heritage Charity Foundation contributes to many local organizations and projects. If a donation is not selected, half of the $20 Skip-A-Pay fee will be donated to United Heritage Charity Foundation.


  • We're making banking personal again.

  •   Find a Location Near You