As our gift to you, feel free to use the extra money to pay seasonal expenses, visit family, or even host a holiday party. It's up to you. Think of it as an early present from RiverTrace FCU. Take a break from your December payment by using Skip-A-Payment!* Skip your December payment in exchange for a $40 per loan processing fee. Simply fill out the form and return it to RiverTrace Federal Credit Union by 11/27/2017.