Skip-A- Payment Slide


We understand that life happens and everyone needs a break sometimes. That’s why we offer Skip-A-Payment on a variety services.

Download and fill out the Skip-A-Payment form. Then bring it in to any of our three local branches to get it finalized.

Skip-A-Payment Rules & Regulations:

  • Loan types considered for eligibility are: Signature loans, new and used auto loans, new and used RV loans, home advantage signature and auto loans, savings and certificate secured loans and overdraft protection.
  • These loans must be in repayment for at least six months.
  • By choosing to Skip-A-Payment, the loan term as originally disclosed will be extended.  Finance charge will continue to accrue during the time between payments.  Excluding length of repayment and total interest to be paid, all original disclosures, terms and conditions of the original contract remain in effect.
  • The $29.00 fee for Skip-A-Payment that can either be paid in cash or removed from your Horizons FCU account.

On October 1, 2021, our operating systems will begin to merge. You will not be able to access your Horizons accounts online at the close of business Thursday, September 30, 2021 while we complete the system merge. All branches, including the Binghamton Main Street Branch, will be closed Friday, October 1, 2021 and Saturday, October 2, 2021. Beginning Monday, October 4, 2021 you will be able to register to access your account online and/or at any current branch location, as well as the Johnson City branch located at 760 Harry L Drive in Johnson City. Once registered, you can enjoy all the online benefits of Empower Federal Credit Union membership.