Bring a new, unwrapped gift for a needy child or donate to Secret Meals for Hungry Children ($35 suggested) at Alabama Credit Union and you can skip a loan payment.

To request a payment skip, fill out and sign a loan modification agreement and return it by Dec. 15. You’re eligible if you have not skipped or deferred payment in the past 12 months and have no credit history of late payments at Alabama Credit Union.

Credit card, real estate, and home equity loans are not eligible for payment deferment. Other limitations may apply.