ADVOCACY

Government shutdown assistance

A lapse in federal government funding, for any period of time, can have far-reaching consequences on consumers and communities. Credit unions offer assistance for members whose financial well-being could be impacted by a shutdown. America’s Credit Unions is here to support the industry through a government shutdown. Our advocacy efforts are underway to urge lawmakers to pass a funding bill as soon as possible to restore stability for consumers whose financial well-being is put at risk by a shutdown. We also have these resources available for you.

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Credit union resources

America’s Credit Unions is here to support the industry through a government shutdown with resources, as well as advocacy to urge lawmakers to pass a funding bill as soon as possible to restore stability for consumers whose financial well-being is put at risk by a shutdown. Here are resources, including credit union-specific information, that may be helpful.

Explore government shutdown resource

Implications of a government shutdown for credit unions and their members

FEDERAL EMPLOYEEES BY STATE AND COUNTY

Find out how many federal employees are in each state and county nationwide.

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Key credit union impacts

  • NCUA: During a shutdown, the NCUA remains open and credit union deposits remain insured.
  • Members who are military members and federal employees: In previous situations, the NCUA has shared ways credit unions can support members—particularly military members and federal employees—while ensuring safety and soundness of their institution. That includes offering special programs to assist members who need short-term loans, loans with special terms and rates, or payment flexibility.
  • Flood insurance: Should funding for the National Flood Insurance Program (NFIP) also lapse, FEMA would not be able to issue flood insurance. However, FEMA would still have authority to ensure the payment of valid claims with available funds. Previously issued NCUA guidance notes credit unions may make loans without flood insurance, but that certain provisions of Part 760 must still be followed and a credit union will “need to have a system in place so that policies are obtained as soon as available following reauthorization for properties subject to mandatory flood insurance coverage.”
  • Branches in government buildings: Credit unions that have branches in government buildings or on federal property may experience service interruptions as hours and access could be impacted during the shutdown.
If you have additional questions, our Compliance Team is here to assist you. Email them at compliance@americascreditunions.org.

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Participate in our survey

We need your help to quantify credit unions’ impact in providing individualized support programs to those most affected in any government shutdown. 

This survey will help inform our advocacy efforts to ensure lawmakers know how credit unions step up to serve members in times of crisis.

Share how you're supporting members
If you have questions about the survey, please contact our Market Intelligence Team at marketintelligence@americascreditunions.org.

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Credit unions help members and communities

Credit unions are working to help members and communities affected by the government shutdown. Here are some of their stories, showing how credit unions are making a difference. 

Credit unions: a safety net

Explore how credit unions step in to support Americans during times of financial hardship in an America's Credit Unions blog post.

Standing strong for members

Credit unions prove their true value when financial hardship hits. Read how one credit union acted fast to support members in an America's Credit Unions blog post.

Going above and beyond

A news story compiles examples of credit unions and leagues that have jumped in to ease financial stress.

Offering options for impacted members

A news story details how several credit unions are working to ensure members can meet their financial needs.

Standing beside those who serve during financial uncertainty

The piece highlights how credit unions, such as Navy Federal Credit Union, are stepping up to support military members, veterans, and civilian defense personnel who face unique financial risks during events like a federal government shutdown.

Credit unions stand by members

Credit unions across the U.S. are mobilizing to support federal workers, active-duty military, and contractors impacted by the ongoing government shutdown by offering emergency loan programs, 0% APR support, payment deferrals, and other relief options.

Credit unions stand by members

As the federal government shutdown enters its third week, credit unions and state leagues are stepping in to provide financial relief to affected federal workers and military service members.

Credit union difference defined during shutdown

The article highlights how Peninsula Credit Union responded immediately when the federal government shutdown affected its members—launching near-zero-interest Emergency Paycheck Advance Loans, removing penalties on certificate withdrawals, and relaxing documentation requirements within hours—while many banks remained silent.

Lawmakers and media spotlight credit unions’ efforts

The article describes how credit unions in Colorado and elsewhere are receiving heightened attention from both legislators and the media for stepping in to assist federal workers and military personnel affected by the shutdown.

Credit union shutdown outreach draws media attention

Credit unions across the country are receiving local media attention for their proactive programs assisting federal workers and contractors impacted by the current government shutdown.

Credit union's refined framework delivers immediate shutdown relief

EECU in Central California activated its Government Shutdown Assistance Program as soon as the federal shutdown began, thanks to decades of preparedness built from prior crises.

Please share your examples with the America’s Credit Unions Communications Team at communications@americascreditunions.org.

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Credit unions offering assistance

Here is a listing of credit unions by state offering assistance to workers, service members, veterans, and families affected by the government shutdown. Find a local credit union by using this locator: https://mapping.ncua.gov/

AmFirst (America’s First Federal Credit Union)

  • Reduced or no-interest loan 

Arkansas Health Center Federal Credit Union

  • Deferred payment loan
  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Loan application fee waiver

Combined Federal Credit Union

  • Deferred payment loan
  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver

TruService Community Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Loan application fee waiver
  • Financial counseling
  • Debt consolidation
  • Credit protection

Bay Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Late payment fee
  • Financial counseling

Community First Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • "RapidDough" loan - no prior credit required/no credit pull - easy access and quick delivery - 12 mo max term
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Line-of-credit increases
  • Certificate or share loans at reduced rate - to allow members to borrow against savings rather than deplete
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Loan application fee waiver
  • no modification fee 

Redwood Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Line-of-credit increases
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Financial counseling
  • Debt consolidation
  • Credit protection
  • Additional assistance 

Southland Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • "Rapid Loan" product
  • Waived loan payment deferral processing fee

Click here for additional information from the state league.

Ent Credit Union

  • Loan extensions (skip-a-payment)
  • Financial counseling

The District Credit Union

  • Loan extensions (skip-a-payment)
  • Line-of-credit increases
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Additional assistance

Westerra Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Loan application fee waiver
  • Financial counseling
  • Additional assistance

Click here for additional information from the state league.

Government Printing Office Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Financial counseling
  • Debt consolidation
  • Credit protection
     

Click here for additional information from the state league.  

Members First Credit Union of Florida

  • Reduced or no-interest loan
  • Deferred payment loan
  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Financial counseling
  • Debt consolidation

USF Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Financial counseling

CORE Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Financial counseling 

Aloha Pacific Federal Credit Union

  • Loan extensions (skip-a-payment)

Gather FCU

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Line-of-credit increases
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Loan application fee waiver
  • Financial counseling
  • Debt consolidation
  • Credit protection
  • Additional assistance (e.g, donations to community organizations, etc.)

Hamakua Federal Credit Union

  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Modification of existing loan(s) based on the individual situation.
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Eliminating late fees.
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Additional assistance

Hawaii Community Federal Credit Union

  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Overdraft fee waiver
  • Financial counseling

Hawaii Federal Credit Union

  • Loan extensions (skip-a-payment)
  • Financial counseling
  • Debt consolidation

Honolulu Federal Credit Union

  • Reduced or no-interest loan
  • Loan extensions (skip-a-payment)

Kauai Federal Credit Union

  • Deferred payment loan
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Line-of-credit increases
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Financial counseling
  • Debt consolidation
  • Credit protection

Wailuku Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Line-of-credit increases
  • Financial counseling
  • Debt consolidation

Ascentra Credit Union

  • Loan extensions (skip-a-payment)
  • Line-of-credit increases
  • Forbearance on Mortgages
  • Skip-a-payment fee waiver
  • Financial counseling
  • Debt consolidation
  • Credit protection
  • Additional assistance

Citizens Community

  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Line-of-credit increases
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Financial counseling
  • Debt consolidation

Greater Iowa Credit Union

  • Deferred payment loan
  • Loan extensions (skip-a-payment)
  • small dollar loan without underwriting.
  • Skip-a-payment fee waiver
  • Financial counseling 

GreenState Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • 0% interest rate, single-pay 30-day term loan for current members with direct deposit,  equivalent to member’s Federal Government direct deposit
  • Loan extensions (skip-a-payment)
  • Skip-a-payment fee waiver

 Click here for additional information from the state league. 

CapEd Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Financial counseling
  • Debt consolidation

Connections Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Financial counseling
  • Debt consolidation
  • Credit protection
  • Additional assistance

Catholic and Community Credit Union

  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Financial counseling
  • Debt consolidation

Financial Plus Credit Union

  • Loan extensions (skip-a-payment) 

Partnership Financial

  • Reduced or no-interest loan
  • Loan extensions (skip-a-payment)
  • Line-of-credit increases
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Wire fees to family sending government workers money.
  • Financial counseling

Revity Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Loan extensions (skip-a-payment)
  • Line-of-credit increases
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Financial counseling
  • Debt consolidation

Natco Credit Union

  • Loan extensions (skip-a-payment)
  • Skip-a-payment fee waiver
  • Cash advance on your Natco REAL FREEDOM Visa without incurring a fee.

Heartland Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Waive early withdrawal penalties on certificates to allow access to emergency funds.
  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Financial counseling

Commonwealth Credit Union

  • Reduced or no-interest loan
  • Loan extensions (skip-a-payment)
  • Skip-a-payment fee waiver
  • Personal financial guidance 

Greylock Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Safety net and lifeline loans in addition to payroll advance loans.
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Loan application fee waiver
  • Financial counseling
  • Debt consolidation

Click here for additional information from the state league.

Andrews Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Line-of-credit increases
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • There is no loan application fee, therefore it would not be waived.
  • Overdraft fees may be waived on a case by case basis
  • Financial counseling
  • Debt consolidation
  • Additional assistance

APL Federal Credit Union

  • Reduced or no-interest loan
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Line-of-credit increases
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Loan application fee waiver

KC Area Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Loan extensions (skip-a-payment)

Mazuma

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Financial counseling
  • Debt consolidation
  • Credit protection

R-G Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Loan extensions (skip-a-payment)
  • Financial counseling
  • Credit protection

1st Liberty Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Line-of-credit increases
  • Skip-a-payment fee waiver
  • Financial counseling
  • Debt consolidation
  • Credit protection

Billings Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Loan extensions (skip-a-payment)
  • Skip-a-payment fee waiver
  • Loan application fee waiver
  • Financial counseling

United Savings Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Line-of-credit increases
  • Financial counseling
  • Debt consolidation

Lighthouse Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Financial counseling

Triangle Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • 2 skipped payments on loans.  The due date of the loan will be extended.
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Line-of-credit increases
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Loan application fee waiver
  • Financial counseling
  • Debt consolidation

Kirtland Credit Union

  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Loan application fee waiver
  • Financial counseling
  • Debt consolidation

Otero Federal Credit Union

  • Deferred payment loan
  • Loan refinances to lower interest/payments.
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Line-of-credit increases
  • Payment reduction
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Loan application fee waiver
  • Waiver of loan late fees
  • Financial counseling
  • Debt consolidation
  • Credit protection 

Rio Grande Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Loan extensions (skip-a-payment)
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Financial counseling

White Sands Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Skip a payment on existing loans up to twice per year.
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Loan application fee waiver
  • Debt consolidation

The Summit Federal Credit Union

  • Loan extensions (skip-a-payment)
  • Mortgage forbearance
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Extension or modification fees

Visions Federal Credit Union

  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Skip a payment
  • Financial counseling
  • Debt consolidation
  • Credit protection
  • Additional assistance

Towpath Credit Union

  • Reduced or no-interest load
  • Deferred payment loan
  • Loan extensions (skip-a-payment)
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Loan application fee waiver
  • Financial counseling
  • Debt consolidation

TruPartner Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Loan extensions (skip-a-payment)

Communication Federal Credit Union

  • Deferred payment loan
  • Fees for payment deferrals for impacted families on a case-by-case basis
  • Enhanced flexibility to work with members affected by the shutdown.  
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Line-of-credit increases
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Fees related to account activity.
  • Financial counseling
  • Debt consolidation
  • Credit protection

Morning Star Federal Credit Union

  • Loan extensions (skip-a-payment)
  • Line-of-credit increases
  • Financial counseling
  • Debt consolidation

Muskogee Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Loan extensions (skip-a-payment)

Members 1st Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Loan extensions (skip-a-payment)

Greenwood Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Loan extensions (skip-a-payment)
  • No penalty for early withdrawals on CDs
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver

Westerly Community Credit Union

  •  Reduced or no-interest loan
  • Deferred payment loan
  • Refi loans and first payment delayed up to 45 days.
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Waive late fees on loan payments; ability to defer one payment on Real Estate and Consumer loans.

Santee Cooper Credit Union

  • Reduced or no-interest loan
  • $5 donation to local food bank for every "Shutdown Rescue" loan originated while the government is shutdown.
  • Debt consolidation
  • Additional assistance (e.g, donations to community organizations, etc.)

Chattanooga Federal ECredit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver

Enrichment Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Financial counseling
  • Debt consolidation

The Credit Union for Robertson Co.

  • Loan extensions (skip-a-payment)
  • Case by case other considerations as deemed needed.
  • Skip-a-payment fee waiver
  • Other fee waivers would be considered if applicable.
  • Financial counseling
  • Credit protection

American Airlines Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • For all members who experience significant financial hardship other options may be available (e.g. workout loans)
  • Loan extensions (skip-a-payment)
  • Enhanced flexibility to work with members affected by the shutdown.  
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • credit card payment deferral
  • Financial counseling
  • Debt consolidation
  • Credit protection

Angelina Federal Employees Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver

Austin Federal Credit Union

  • Reduced or no-interest loan
  • Reduced or no-interest payroll advance
  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Additional assistance

Border Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Loan extensions (skip-a-payment)

FirstLight Federal Credit Union

  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Financial counseling 

GECU Federal Credit Union

  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Financial counseling

Government Employees Federal Credit Union (GEFCU)

  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Financial counseling
  • Debt consolidation
  • Additional assistance

Members First Credit Union

  • Loan extensions (skip-a-payment)
  • Special signature loans
  • Financial counseling

Mountain Star Federal Credit Union

  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Line-of-credit increases
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Financial counseling
  • Credit protection

Security First Federal Credit Union

  • Loan extensions (skip-a-payment)
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver

Wellby Financial

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Home Equity Line of Credit (HELOC) - Access home’s equity
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Line-of-credit increases
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Financial counseling
  • Debt consolidation
  • Additional assistance

Elevate Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Loan extensions (skip-a-payment)
  • Financial counseling 

Click here for additional information from the state league.

Blue Eagle Credit Union

  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Financial counseling
  • Debt consolidation
  • Credit protection
  • 90 days no payments on all auto loan and personal loans refinanced from another FI.

Justice Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • First Mortgage Assistance available.
  • Loan extensions (skip-a-payment)
  • No fee to defer a consumer loan payment
  • Financial counseling
  • Debt consolidation
  • Credit protection

Peoples Advantage Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Loan extensions (skip-a-payment)
  • Reduced or no-interest on existing loans
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Financial counseling
  • Debt consolidation
  • Credit protection 

EastRise Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Interest-only loan repayment
  • Loan extensions (skip-a-payment)
  • Following investor guidelines for sold mortgages
  • Financial counseling 

Vermont Federal Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Reduced or no-interest payroll advance
  • Loan extensions (skip-a-payment)
  • Line-of-credit increases
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Overdraft fee waiver
  • Financial counseling
  • Debt consolidation
  • Credit protection

Click here for additional information from the state league.

BECU

  • Loan extensions (skip-a-payment)
  • Financial counseling
  • Debt consolidation

Columbia Credit Union

  • Reduced or no-interest loan
  • Loan extensions (skip-a-payment)

Peninsula Community Federal Credit Union

  • Loan extensions (skip-a-payment)
  • EPAL - Emergency Paycheck Advance Loan, Payday Alternative Loan, No-Fee Visa Cash Advances
  • Fee waiver on early withdrawal penalty on certificates of deposit
  • Skip-a-payment fee waiver
  • Financial counseling
  • Debt consolidation 

University of Wisconsin Credit Union

  • Reduced or no-interest loan
  • Deferred payment loan
  • Loan extensions (skip-a-payment)
  • Financial counseling
  • Debt consolidation
  • Credit protection
  • Additional assistance
     

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