It's not hard to imagine a month you could use extra cash — especially when things get tight. Whether it's holiday costs or summertime fun, every season can come with all sorts of extra costs. Hold on to some of your cash during those crucial times with Skip-a-Pay!
Once a year, for only $35, you can skip a payment on any auto loan, recreation loan, or personal loan with a good payment history for the last 6 or more months. Credit card, mortgage, or other lines of credit are not eligible for Skip-a-Pay.
Skip-a-Pay is a service by Listerhill Credit Union which allows members to request to skip a monthly payment. The payment is instead added to the end of a loan, essentially extending the life of the loan by one month. This can be a valuable tool in your financial tool belt.
Auto loans, recreational loans, and personal loans that have not had Skip-A-Pay applied to them within the last year are all eligible for Skip-A-Pay. This includes boat loans, RV loans, 4-wheeler loans etc. However, home loans, Christmas loans, credit cards, and other lines of credit are not eligible.
In order to have your Skip-A-Pay request processed before your loan payment is due, please submit your skip request five (5) business days in advance of the scheduled payment date.
Example: If your next loan payment is due on June 20th, you would need to submit your request no later than June 12th.
Skip-A-Pay may only be used once a year.
Click here to request Skip-A-Pay, agree to do business electronically, and fill out the online form. You must also provide payment for the $35 fee before your loan payment can be skipped. This fee can be transferred from your Listerhill checking or savings account or paid from an outside account.
Use this calculator to help you figure out when you should apply for Skip-A-Pay. Just enter the payment date of the loan that you would like to skip and we can help you figure out how soon you should apply.
This calculator does not account for federal holidays and does not guarantee that your request will be approved or constitute an application. Please submit your application at least 5 business days prior to the date of payment. Members may only use Skip-A-Pay once a year.
Our cash back credit card gives you a flat rate of 2% back on all of your purchases. It acts as a rebate that you can redeem for cash as a statement credit or direct deposit in your account.
All incoming wires must be received using Listerhill's routing number of 262277011. The member should use the routing number along with their member number and share ID suffix or their draft number when receiving a wire.
Wire to:
Listerhill Credit Union
4790 E. 2nd Street
Muscle Shoals, AL 35661
1-256-383-9204
ABA No.: 262277011
For credit to the account of:
Member's Name:
Member's Address:
Member's Account No.:
Incoming Domestic Wire Charge: $20.00
Outgoing Domestic Wire Charge: $20.00
Incoming Foreign Wire Charge: $35.00
We do not process outgoing foreign international wires. We can receive them only.
Listerhill is capable of receiving incoming wire transfers and sending outgoing domestic wire transfers. All Branch Managers, Loan Officers, Senior Member Advocates, Member Advocates, and Tellers can provide our members with information needed to receive incoming wire transfers.
Branch Managers, Member Advocates, and Senior Member Advocates can assist with processing outgoing domestic wires.
We do not process outgoing foreign international wires. We can receive them only.
To qualify for membership with Listerhill, you must meet one of the following requirements: