To qualify, your Firefly loan must be in good standing and must have at least one month of payment history. Not applicable on First Mortgage Loans, Home Equity Lines of Credit including HELOC4 or Visa® Credit Cards, ReadyCashSM, or Business Loans. A non-refundable $39 fee will be added to the loan balance for each loan payment skipped. Interest will continue to accrue during the skipped payment period. You may skip three nonconsecutive months over the life of each qualifying loan. Requests must be received at least 5 business days prior to payment due date. All requests subject to credit union review and approval. All loan payments must be current at time of skipped payment processing, regardless of status at request date. Note: Skipping payments may extend the term of your loan beyond your original pay-off date and increase total finance charges. Any funds that are scheduled to be applied as loan payments during the skip pay period will be deposited into your Firefly Share Savings Account; this includes loan payments that are made via direct deposit, payroll deduction, automatically deducted from another financial institution (listed as “Firefly CU ACH ORIG”) or member number at Firefly Credit Union. Equal Housing Lender.