Routing Number: 307070050
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Holiday Skip-A-Pay!

For holiday fun, you need holiday funds!
Skip your December loan payment on qualified loans.

Holiday Cash Is A Skip Away

Who doesn’t need a little extra cash this time of year? No need to choose between rocking your gift-giving skills and making your credit card payment. Just choose the loans you want to skip (sorry, home equity or mortgage loans are ineligible), and submit your request form.

Skip as many eligible loans as you’d like. ($25 per skip)

Skip your December payment

(The hardest part) Decide how to spend your extra cash this holiday season!

What Could Be Eligible?

Auto loans

Personal loans

Boat/RV loans

What is NOT Eligible

Mortgage loans

Home equity loans


Credit cards

Print your form now. PRINT MY FORM


Contact us at least 5 days before your December payment due date.


Print your form, fill it out, and mail it to:
PO BOX 80570
Albuquerque, NM 87198


Representatives are ready to get your Skip-A-Pay scheduled six days a week.

​Call 1-800-880-5328


Print your form, fill it out,
​and drop it by any branch location.

Loans must be current at the time of Skip-A-Pay processing. Loans must be originated prior to September 1, 2019. The Skip-A-Pay form must be received in branch no later than 5 days before the due date of the requested payment. Fee payment must be made at the time of processing, either by adding the fee to the current principal balance of the loan, check or available funds in your share (savings) or share draft (checking) account. If you indicate share or share draft and funds are not available, we reserve the right to not process your Skip-A-Pay request. Skipping a payment and/or adding the fee to the principal balance of the loan may extend the original maturity date of your loan. Interest will continue to accrue on your loan account(s) and your regular monthly payment due date will resume immediately following the skipped month you indicate on the request form. Skipping payments can affect payment protection and GAP coverage. See your agreement for details. Some restrictions apply. Real estate loans, including home equity loans and Home equity lines of credit, credit cards, and personal lines of credit are not eligible. Limit one skip per loan account. If you make automatic payments through Bill Pay, payroll deduction, or an auto transfer, whether through Kirtland FCU or an outside institution program, you are responsible for suspending your payments for any skipped loans and resuming them after the skip. Log into Online Banking or call 1.800.880.5328 for assistance with altering a Kirtland FCU auto payment. 10/2019