The holidays can be a wonderful time of the year, but they can also be a little tough on your budget. If you're feeling the after-effects of the extra expenses from the holidays, St. Cloud Financial Credit Union is here to help! Start the new year by give your budget a break and starting the new year with a little extra breathing room. In January or February, your local credit union is offering you the chance to skip your monthly loan payments with Skip-A-Pay!