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Take a Break From Your Loan Payment!

With our Skip-a-Pay program, you can skip your loan* payment(s) in November, December or January!  Use the extra money for household expenses, Christmas presents or whatever you'd like!

Complete an Authorization Form today to skip your next payment!  If you have questions or need more information please contact our loan department at (989) 791-7070 ext. 3501 or email

*Qualifying loans must be current to consider. First mortgages, second mortgages, home equity loans, credit cards, lines of credits, commercial or business loans, TDR/workout loans, or any loans that have not had at least three monthly payments applied are not eligible for this offer. Members can have one skip a pay plan in any six month period, but no more than two in a twelve month period.  There is a one-time processing fee of $35 per skipped loan.

Drop off your authorization form at either Credit Union Location

Or Mail or Fax to:

Saginaw Medical Federal Credit Union
PO Box 6160
Saginaw, MI 48608

FAX:  989-790-6910