*With approved credit. Rate based on creditworthiness. Offer good 10/1/24 through 12/31/24. Sample payment per $1,000 borrowed for 12 months at 8.50% APY=$87.22. Rate subject to change without notice. Maximum term on this loan is 12 months.

**Skip-A-Pay is not available for: real estate loans, home equity loans, lines of credit, credit cards, single pay notes, overdraft loans, a loan in bankruptcy, ECU workout loans, or TDR loans. Subject to ECU underwriting approval. Member must have made at least six months’ worth of consecutive payments on the loan. All loans must have on-time payment within the last six months Only two skip-a-payments per 12-month rolling period. The skip-a-payments must occur six months apart. There is a pay $25 fee for each skip-a-pay. Interest will continue to accrue on the outstanding balance during the skip-a-payment period. Your regular payment schedule will resume in the month immediately following the month in which you have skipped payment. Except for this change to the payment obligation, all other terms of your agreement remain in effect. Skipping a payment will extend the term of your loan.