Take the Stress Out of Your Budget

Now Fee-Free! In the ongoing pursuit of serving our members’ needs, PCU has elected to eliminate yet another fee. As a valued member of PeoplesChoice Credit Union, you may be qualified to participate in our Skip-A-Payment program*. Have more than one eligible loan? Skip a payment on each one. Skipping a payment is like “making a loan to yourself” and will allow you to take the stress out of your financial planning, and take charge of your budget!

It’s our way of thanking you for your loyalty, and telling you how much we appreciate your membership!

To request a Skip, call us at 207-282-4156, stop by any one of our four branches, or submit your request below.


1. Finance charges will continue to accrue. Monthly minimum payments will resume on your next statement. If you are set up with auto ACH payments, the payment will still process as scheduled unless you cancel or change it.
2. Loans cannot be past due at the time of request. All Mortgage, Home Equity Loans, Business Loans, and Overdraft Protection are NOT eligible. Application and approval required for all skipped payments. All applications are subject to the Credit Union’s final approval. Accounts of all borrowers must be in good standing with PeoplesChoice CU.
3. Visa credit card payments are not eligible for this program, but there is a separate skip-a-pay option offered in December for the holidays.
4. Interest will continue to accrue on unpaid balances through skipped payment period. Repayment of the principal balance of the skipped payment will be deferred until a later date.
5. You are allowed one Skip per 12 month period.
6. A maximum of three payments may be skipped over the life of a loan.
7. Your loan period will be extended by one month per skip.
8. Loans must be opened a minimum of six months, and six full scheduled payments must have been made in order for it to be eligible for a skip-a-pay.

PeoplesChoice Checking with SpendShield has it all.

A FREE checking account with no monthly fees, the lowest overdraft fees in Maine, and a safety net when you need it most. With PeoplesChoice Checking, you’re guaranteed the flexibility and freedom you need to keep your cash in check. Features like free mobile banking, direct deposit, and more get you what you want, when you need it.