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Put A Little Extra Jingle In Your Pocket

It truly is the most wonderful time of the year...but we know a way we can make it even better. The holidays are fun, that's no doubt, but they can be a huge strain on your wallet. That's why we're bringing back the Zia Holiday Skip-A-Pay!

With our Holiday Skip-A-Pay, you can choose to skip your loan payment for November, December, or January!* By allowing you to keep a little extra cash in your pocket, you can have the funds you need for holiday fun. With a full wallet and a full heart, you can stress less and enjoy the holidays.

Complete your Holiday Skip-a-Payment online at, or simply fill out the form below and return it to us at your nearest branch or by mail. If your loan payment is paid through payroll deduction or monthly transfer, please return the form at least 10 days before the due date. There is a $40 fee for each loan payment that is skipped, which will be withdrawn from the account you choose below. If funds for the fee(s) are not available, we will not be able to process your request. Please note, although your payment is skipped, interest continues to accrue on your loan and the term will be extended by one month.

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This offer is valid 11/01/2021 – 01/31/2022. The following types of loans are not included: Single Payment, Real Estate, Mobile Home, Credit Cards and Lines-of-Credit. All Zia Credit Union accounts must be current and in good standing, at least six (6) months of payments must have been made on the loan(s) you wish to skip, payments may not be skipped for two consecutive months, and a loan may not be paid more than 90 days in advance. Offer excludes members that have deferred a loan payment in the last 6 months. Fee(s) must be paid prior to processing. This offer is not transferable and may not be used in conjunction with any other discounts, offers, or coupons. Deferment of payment will extend the life of the loan(s) and may cause an increase in the total finance charge and final payment amount. The first payment after the skipped period may be all, or in part, applied to accrued interest. The extension of the loan(s) may not be covered by credit insurance or Guaranteed Asset Protection coverage you may have. If the loan payment(s) is/are made by Zia Credit Union internal transfer, cash, or Bill Pay, the due date will advance according to the payment schedule, skipping the appropriate number of payments equivalent to one month. If the loan payment(s) is/are automatically deducted through payroll distribution, ACH origination, or from an account at another institution, we will deposit the payment to your regular savings (share) account on the payment due date. Interest continues to accrue, and all other loan terms and provisions remain unchanged. This agreement does not constitute a new loan. There will be a $40 Skip-A-Payment fee for each skipped loan payment.