Skip-A-Pay Winter 2020

Let Us Help Lighten Your Load This Holiday Season!

Take a break from your loan payment up to twice a year!

At AOD Federal Credit Union, we believe in bringing value to our Outstanding Member-Owners. Therefore, we would like to offer you the opportunity to Skip-A-Payment* on qualifying loans without hurting your credit! To participate, simply submit your skip-a-payment application.

  • Available for use twice per year – once in the first half-year and again in the second half-year
  • This offer is not valid on mortgage loans, Visa credit cards, or Loans newer than 60 days.


Online Banking

  1. Log in to Online Banking with your username and password
  2. Click the “My AODFCU Transfers link
  3. Click the “Skip-a-Payment” link
  4. Follow the prompts
Prefer To Apply By Mail Or Fax?

Please fill out the application and turn in at any AODFCU branch drive-thru, mail, or fax:
AOD Federal Credit Union
Attn: Skip-A-Payment Processing
P.O. Box 608
Bynum, AL 36253
Fax: 256-237-3285

*By participating in AOD Federal Credit Union’s Skip-A-Pay* program, you authorize AODFCU to defer your loan payment(s) as indicated. You agree and understand that: 1) Mortgage loans, Credit Cards, and loans newer than two (2) months may not be eligible for the skip-a-payment program; 2) Payments made through Payroll Deduction or Direct Deposit transfer may be deposited into your Share Savings or Checking Account for the month skipped and will subsequently be available for withdrawal; 3) FINANCE CHARGES will continue to accrue on the unpaid balance during the month you skip your payment and when payments resume, the unpaid interest will be collected first; 4) Deferring your payment will result in your having to pay higher total FINANCE CHARGES than if you made your payment as originally scheduled; 5) The payment deferral may extend the maturity date of your loan(s); 6) You will be required to resume your payments the following month; 7) No more than two (2) payments per loan may be skipped in a calendar year. 8) Payment protection and/or GAP insurance may not apply to the extended loan term. Certain restrictions may apply. The offer expires December 31, 2020, for December 2020 skips and January 31, 2021, for January 2021 skips.