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Just like a good trail, life has its rough patches. For those tough times, consider skipping a loan payment.

Key Features

  • Defer Loan Payments
  • Protect Your Credit
  • Defer your loan payments in case of hardship
  • Eligible loans include:*
  • Get peace of mind and protect your credit history
  • Low $25 fee to skip a payment

To take advantage of the Skip a Payment service, log into online banking or visit us.

In an effort to assist our members throughout this uncertain economic time, we are allowing members to skip up to three payments in a rolling 12 month period on their installment loans* with no fee.

You may skip your loan payment through [email protected] online banking (just click on Account Services in the menu at the top once you are logged in), or give us a call at (406) 727-2210 or (800) 721-2242 to speak with one of our employees.

Skipped payments may be done one month at a time; should you find you need to skip additional months, please call us again. Interest on your loans will still accrue during the skipped month(s), and should you have any additional coverages on your loans, such as GAP protection, those may be impacted by the skipped payment(s). 

At this time, mortgages, lines of credit, promotional loans such as our 4-3-2-1 holiday loan and Mastercard credit card loans are not eligible for Skip a Payment. If your loan is not listed as eligible and you have concerns about making payments, please call us.


*To be eligible, loans must have a payment history of at least 6 months and must not have been 30 days past due in the last 6 months. Other restrictions may apply. Mortgages, lines of credit, and credit cards are not eligible for this service.