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  • Phone: 207-783-2071
  • Routing Number: 211287913

Need a break from your loan payment?

Life can be unpredictable, and sometimes you need a little extra flexibility in your budget. Our Skip-A-Pay program is here to help! Whether you’re facing unexpected expenses or just want to treat yourself, our program allows you to skip your loan payment for one month, giving you the financial breathing room you need.


How it works

When you skip a payment, your current due date will be moved forward by one month. During this skipped period, interest will continue to accrue on your loan, and your loan’s maturity date will also be extended by one month. Your loan’s other terms and conditions will stay the same, and you’ll simply continue with your next scheduled payment. It’s that simple!

Eligible Loans

  • Auto Loans
  • Motorcycle Loans
  • Recreational Vehicle Loans
  • Personal Loans

Loans not eligible for the Skip-A-Pay program include mortgages, home equity loans, credit cards, business loans, holiday loans, fuel loans, back-to-school loans, credit builder loans, or personal lines of credit.

Skip-A-Pay Program Details

Is there a fee?

There is a $35.00 non-refundable processing fee for each monthly payment skipped. $5.00 of each processing fee will be donated to the Maine Credit Union League Campaign for Ending Hunger. If your request is not approved, you will not be charged the processing fee.

How often can I skip a payment?

The Skip-A-Pay program is limited to one (1) skip per 12-month period. You may only skip five (5) loan payments during the life of each loan.

How does the Skip-A-Pay program affect my loan?

No payment will be required on your loan for the month skipped; however, you are required to resume your regularly scheduled payments the following month.

What do I need to do if I have automatic payments set up for my loan?

For automatic payments initiated from a Maine Family account:

  1. ACH and Internal Transfers – For an ACH initiated by Maine Family FCU, a request to stop a monthly payment transfer must be recieved at least seven (7) business days prior to the scheduled transfer date. If it is a weekly or bi-weekly transfer, the Credit Union must receive the request thirty (30) days prior to the scheduled transfer date. The same requirements apply to internal transfers.
  2. Online Bill Pay – You will need to log into Maine Family FCU’s Bill Pay to stop and restart the payment process yourself.

For automatic payments initiated from another financial institution:

  1. ACH – If your payment is sent from another financial institution, you will need to suspend your payment with that financial institution for the month you are skipping.
  2. Online Bill Pay – You will need to log into your financial institution’s Bill Pay to stop and restart the payment process yourself.

Does skipping a payment impact my GAP benefits?

Multiple skips may reduce a potential Guaranteed Asset Protection (GAP) claim. Contact your provider for details about how multiple skipped payments will affect your coverage.

Ready to take a break from your loan payment?

Maine Family Federal Credit Union reserves the right to deny any request to skip payments. If this request is received and you are eligible to skip a payment, your request will be processed for the next regularly scheduled month or for the month you selected. If your request is not approved, you will be contacted within five (5) business days of receipt of your request.

Get In Touch With Us

Hear what our members have to say!

  • I've been with Maine Family for a long time, you guys are always there for me and have been a great support while trying to build my credit. You treat me fairly and make me feel comfortable in sharing my story.
    Edward F.
  • I cannot say enough great things about the staff!!!! Always so helpful, knowable, upbeat and friendly. Kudos to all of you. I appreciate you!!!
    Joyce S.
  • My husband and I have been using Maine Family FCU for over 20 years.  We have trusted them with all our banking needs in the course of those years and have been very pleased with the customer service we have received.  Over the past several months, we have reached out to different departments and have been given such amazing customer service.  Their service has been so remarkable that we have now started our family’s next generation with all of their banking needs with Maine Family FCU with our continued trust in them!
    Kacey
  • My family has been using this credit union for 3 generations now. Great customer service and just really really helpful staff. Working with them is always a pleasure. They truly want the best for their members. Thank you Maine Family!
    Emily F.
  • My experience with getting a loan was super easy, Danielle made the process smooth and was extremely professional and responsive to correspondence.  I enjoyed the experience so much I sent my girlfriend to Maine Family recently to get an auto loan through Danielle as well. She's a great employee!
    Michael L.
  • We are longtime members with the credit union. We've always had a great experience with the lending department and all other staff members. They are a great group of people. Very friendly! We will always bank and do our business there.
    Donald G.
  • Anytime I have questions about my loan, the lending team is there to help me, this is the only bank account I have and I don't see myself leaving anytime soon.
    Tyler G.
  • Maine Family Federal Credit Union has been an outstanding financial partner. Their rates are some of the best around, whether you’re looking for a loan, savings account, or mortgage. The staff is always friendly, knowledgeable, and genuinely helpful—they take the time to explain your options and make sure you’re getting the best fit for your needs. It’s refreshing to work with a team that truly cares about their members. Highly recommend!
    Chris H.
  • I have nothing but high praise for the staff at the Auburn branch of MFFCU. For over 17 years I have been a loyal member. Any time I (or my son) have needed assistance from the loan department both you and Sue M. have been extremely helpful and friendly. I look forward to many more years as a member.
    Thomas F.
  • The entire team is great and very accommodating. I’ve never had an interaction with a teller that left me feeling uncomfortable or not valued. They really are a great team.
    Gabriel J.