Free up cash to enjoy more holiday magic.

Boost your budget with our Holiday Loan and Skip-A-Payment options for added holiday cheer!

Holiday Loans

We offer basic Holiday Loans with rates as low as 7.75% APR* with terms up to 12 months.

Holiday Skip-A-Pay**

This option allows you to skip your personal or Auto Loan payment for one month, to give you some room in your monthly budget. While interest will accrue during the deferment period, the overall cost is much less than borrowing or charging on a store card.

How to Skip-A-Payment:

Online Banking: 

In online banking, log in, and navigate to the “Additional Services” tab, half way down the menu select “Skip-A-Payment.”

Mobile Banking App: 

On mobile, open the ECU mobile app, and click on “MORE” and then select “Skip-A-Payment.”

*With approved credit. Rate based on creditworthiness. Offer good 10/1/25 through 12/31/25. Sample payment per $1,000 borrowed for 12 months at 7.75% APR = $86.86. Rate subject to change without notice. Maximum term on this loan is 12 months. ** Subject to ECU underwriting approval. Loan(s) must be current and in good standing. Interest will continue to accrue and skipping payment will extend the loan term.