^*Skip-A-Pay is not available for any loans that are currently past due. Participation in Gold Coast FCU’s Skip-A-Payment program is subject to the following terms and conditions: Members must be in good standing, and loans must be current to qualify. Interest will continue to accrue during the skipped month, which may result in additional payments at loan maturity. A non-refundable fee of $25 per loan applies. The following loans are not eligible: mortgage, home equity, certificate secured, personal home improvement, smart choice, fast cash, and credit builder. Members must opt in by submitting a signed form. Members with recurring online auto transfers must log in and suspend their upcoming transfer to prevent payment from posting. Other restrictions may apply. For the Gold Coast unsecured or share secured personal line of credit, the payment is automatically skipped and interest will continue to accrue; however, member can make a payment in January if they do not wish to have their payment skipped. Interest will continue to accrue on your loan during the skipped payment period. Your regular payments will resume the following month. Skipping a payment will extend the length of your loan. All other terms of your loan agreement remain unchanged.