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Skip, Skip Hooray!

Skip the payment, Skip the fee when you submit your request through Online or Mobile Banking!*

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Family dancing together in a festive living room with a dog near the Christmas tree.

Holiday Skip-A-Payment

More holiday cheer. Less financial stress.

The holidays are all about making memories, and a little extra room in your budget can make the season even brighter!

With Innovations' Holiday Skip-A-Payment, you can skip one monthly payment on each of your qualifying loans during November, December, or January. That means more flexibility for holiday shopping, travel, celebrations, or whatever makes your season special.

And here's a little extra holiday cheer — it's FREE when you submit your request through Online or Mobile Banking! A one-time $15 fee per membership applies to requests made at a branch or by phone.

Give your budget a holiday break and enjoy the season your way!

Get Started Online Today

Have questions? Stop by any Innovations branch or call us at (850) 233-4400. We're happy to help!

Holiday Skip-A-Payment is subject to approval. Eligibility requirements and restrictions apply. Interest continues to accrue during skipped payments. See full program disclaimer for details.

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*Holiday Skip-A-Payment does not apply to home equity or mortgage loans, mobile home loans, workout loans, business loans, or student loans. Offer is subject to approval, and all accounts must be current to qualify. Members are eligible to skip one monthly payment per qualifying loan during November, December, or January, in addition to their regular annual Skip-A-Payment. Consecutive monthly payments cannot be skipped on the same loan. Members with multiple qualifying loans may select different months to skip a payment on each loan. A one-time $15 service fee per membership applies to Holiday Skip-A-Payment requests submitted in person at a branch or by phone, regardless of the number of qualifying loans or months selected. There is no fee for requests submitted through Online or Mobile Banking. Skipping a payment will extend the term of each affected loan by one month. A loan's first payment is not eligible to be skipped. Interest will continue to accrue on each loan during the skipped month, which may increase the total interest paid over the life of the loan. Members who have purchased GAP coverage are responsible for skipped payment(s) in the event of a claim deficiency, as stated in the GAP waiver addendum.