Holiday Skip-A-Payment

Put More Jolly in Your Holiday!

Skip-A-Pay is Back for the Holidays!

Take advantage of our Skip-A-Pay program and take a break from your loan payment in November, December or January!

For a $25 processing fee you can skip the regularly scheduled payment on a qualifying* loan. The skipped payment will be repositioned to the end of your loan.


Please feel free to call us at (925) 228-4545 with any questions you may have.


*Eligible loan types are: Signature Loan, Auto Loan, Recreational Vehicle Loan, Motorcycle Loan, Boat Loan and Visa Platinum, Gold, and Classic Credit Cards. All skip a pay requests are subject to review and approval by the Loan Department. There is a $25.00 processing fee for each request, whether approved or denied. By skipping your loan payment(s), your payment(s) will be deferred which will extend your loan(s) and you will have to make extra payment(s) after your loan(s) would otherwise have been paid off. Interest will continue to accrue on any unpaid balance during the skip a pay month. All Credit Union Accounts MUST be current, open for at least 6 months and in good standing. All Loans for the borrower and any co-borrower/guarantor must be current with no more than two skip a pays per year. Maximum of 6 skip a pay for life of the loan. Cannot skip consecutive months payments. Requests to skip November 2022 payment must be received no later than October 28, 2022 (Friday) for processing. Requests to skip December 2022 payment must be received no later than November 28, 2022 (Monday) for processing. Submit your completed and signed form to Shell Western States FCU. Funds must be available in account at time of processing.

SWS Federal Credit Union
1700 Pacheco Blvd, Martinez, CA 94553

Routing & Transit Number: 321173218