Dec Roll Call

BILLS

To skip a payment, log in to view your eligible loans and choose your month.

• LAPFCU App >> More >> Skip-A-Pay

• PATROL Online Banking >> Services >> Skip-A-Pay

PLEASE NOTE: If you want to skip a loan payment, and you currently have a scheduled automatic payment or ACH from another financial institution, you must call us at (877) 695-2732 to arrange your skipped payment. Otherwise, the loan payment will still be made.

1Each loan you elect to skip-a-payment on is assessed a $15 processing fee which will be deducted from your LAPFCU Share Account. Only loans with six (6) previous on-time payments are eligible. This offer excludes payments on mortgages (first and second trust deeds), business loans, certificate loans, and Visa credit cards. The number of payments on the consumer loan remains the same, and interest will continue to accrue on a daily basis at the Annual Percentage Rate (APR) set forth in the loan agreement, both during and after the deferral period. When payments resume, unpaid interest will be collected first. If you skip a payment, the term of your loan will be extended. All terms and conditions of original loan agreement remain in force. Skip-A-Pay may be used after you’ve had the loan for a minimum of 270 days and have successfully made 6 consecutive payments. After this, you are limited to one Skip-A-Pay per loan in a 6-month period. If you previously elected credit life and/or disability insurance, your monthly premium will still be added to the loan on the skipped month; however, coverage will not be extended beyond the original maturity date. Skipping a payment may void your GAP and Mechanical Breakdown Insurance (MBI) during the month you skip and/or during the extended term of your loan(s). Please consult your insurer for complete details. If you have scheduled an automatic recurring payment, you must log into PATROL Online Banking to adjust your scheduled payment date for the month you wish to skip. Otherwise, your payment(s) will still be deducted even though you have indicated on this form that you wish to skip it. If you have scheduled an automatic payment from your account at another financial institution, you will need to change the date or cancel that payment with the other financial institution. If you are unable to make the payment change in time, please contact us so we can reverse the payment and credit your LAPFCU Share Account. If for some reason you do not qualify to skip a payment, you will be notified by LAPFCU. LAPFCU reserves the right to revoke this offer if your account is delinquent, the process fee is not paid, required signatures is/are missing, a skip payment has been processed on this loan within the past 6 months, or upon knowledge of any legal proceedings such as bankruptcy.

HOLIDAY SHOPPING TIPS

Whether you’re shopping in stores or online from the comfort of home, streamline your holiday shopping and increase your financial security with these tips.

n Use your smartphone to manage your spending with the LAPFCU app. Securely view account activity, make check deposits and transfers, pay bills, and locate the nearest ATM or branch. Use the Card Controls feature to easily disable your credit or debit card if it’s lost, stolen or inactive. You can also create alerts to keep track of your cash flow, budget, and even spot potential fraud right away.

n Add your LAPFCU credit or debit card to your mobile wallet (Apple Pay, Google Pay, Samsung Pay) as your default card for easier, more secure, and contactless mobile payments.

ANNUAL MEETING

JANUARY 25, 2023

We invite all members to attend our Annual Meeting on Wednesday, January 25, 2023, at 1:30 p.m. Please visit lapfcu.org for additional information and updates.