• Loan deferments
• Loan modifications

Shutdown Resources (details and eligibility)

• Government Shutdown Loan
• Skip-a-Pay
• Personal Loan Option

• Financial Assistance Loan – up to $5,000, first payment deferred for 90 days, then 6.00% APR up to 24 months.
• Penalty-free certificate withdrawals
• Skip up to 2 loan payments per year on eligible loans
• Loan extensions, repayment plans, loan modifications
• Mortgage assistance: deferred payments, forbearance plans, repayment plans, loan modifications, using equity in your home, short sale, deed-in-lieu
• Free financial counseling (via GreenPath)

Emergency Assistance Programs – full list

• Emergency Relief Loans with low rates and flexible repayment options
• Skip-a-Payment options on qualifying loans
• Financial counseling

• 90-day No Payment Loan – up to $5,000 at 6.99% APR, 24-month term
• One-time penalty-free CD withdrawal
• Expedited credit line increases

• Skip-a-Pay (all loans types eligible except first mortgages) If shutdown extends into Nov. 2025, APL FCU will institute a program to assist members with first mortgage payments due Oct. 1

Government Shutdown Assistance (view details and eligibility requirements for offers)

• Government Shutdown Loan: If you are a federal government employee, have a current direct deposit with Apple Federal Credit Union and are not being paid during the shutdown, Apple FCU may be able to provide you with a 0% APR interest loan up to a maximum of $5,000. The maximum repayment term will be 6 months, and you will only be eligible for the loan if the government fails to pay eligible employees during the shutdown.
• Skip-a-Loan Payment: You may be eligible to skip your auto or personal loan payment.
• Penalty-Free Certificate Withdrawal: All fees will be waived should you elect to close a Certificate early.
• FREE BALANCE financial counseling: online or toll-free
• Personal Loans, Lines of Credit and Credit Cards

Government Shutdown

• Furloughed employees: Personal loans at a reduced rate of 4.99% to replace one month’s direct deposit income total. A furlough extension on existing loans that will not count in their total extension count.
• Non-furloughed employees that are impacted: Personal loans and extensions on existing loans.

• Loan deferrals on case-by-case basis
• Loan Skip-a-Pay (up to 2 payments, consecutive allowed)
• Low-rate credit cards (as low as 8.00% APR, no transfer fee)
• Financial counseling services
• Waiver of Certificate account withdrawals penalties (case-by-case)

Stability Assistance Programs – more details

• Relief Line of Credit – up to $10,000, 0% APR for 60-day draw period, then 4.00% APR fixed for 36 months
• Personal loans – consolidate high-rate balances into one manageable payment with flexible terms
• Line-of-credit limit increases
• Payment deferments
• Expedited card/check delivery
• Waived early withdrawal penalties (share certificates)
• Pause on automatic payments – temporarily suspend automatic payments, transfers, DBOs

Financial Programs – (more details)

• Auto loans, personal loans, and mortgages tailored to meet diverse financial needs
• Credit cards with competitive rates
• Ongoing consideration of loan deferral promotions to ease financial strain
• Financial counseling, both individual and group

• Short-term loans with rates up to 4.00% and terms up to 3 months (not to exceed net pay amount)
• Skip payments for 30, 60, or 90 days
• Fee waivers

• Short-term loans at 0%
• Loan extensions for members with existing loans who need additional time to meet their payment requirements.

• Short-term relief loan up to $5,500 for 12 months (payment starts within 30 days of government resumption)
• Flexibility with loan payments (consult with credit union)
• Skip-a-pay fees and frequency per member waived at CU’s discretion

FedAssist (view details and eligibility requirements)

• Furlough loans
• Expanded Skip-a-Pay options

Relief Assistance

• Up to 3 months of a payment deferment on eligible loans
• Up to 3 months of waived loan late fees during the deferment

• Short-term loans, lines of credit, fee waivers available
• Free skipped payments as needed

Government Furlough Relief Assistance (more details and eligibility requirements)

• Skip-a-Payment
• Government Furlough Loan, no-interest loan up to $4,500
• Lifestyle Loan, rates starting as low as 7.75% (subject to credit approval)

• Skip-a-Pay – 45-day skip without a fee. 3 bi-weekly payments or 1.5 monthly skips for monthly payments.
• Emergency Loan due to Furlough – borrow up to $1,500 at a fixed rate of 2.99%, maximum term is 12 months
• Loan Workouts – members may work with a loan officer to determine if a program can be created to ease financial hardship.

Member Shutdown Assistance – (more details)

• Low-interest $10,000, 36-month loan
• Penalty-free withdrawals from CDs and holiday accounts
• Free Skip-a-Pay

Hardship Assistance – more details

• Hardship loans for essentials
• Loan Deferral Program for up to 90 days (applies to specific loan products)
• One-on-one financial coaching available

Special Member Assistance (view for details and eligibility)

• Special Assistance Loan
• Deferred Loan Payments on Consumer Loans and VISA Credit Cards
• Mortgage Assistance
• Confidential Financial Counseling from GreenPath Financial Wellness
• Additional Resources Available via State or County

Shutdown Relief – (More details)

• Skip-a-Payment for loans (fee waived)
• Emergency Loan – up to $2,500, 0% for first 60 days, 12-months repayment

Hardship Assistance Program – (details on eligibility)

• Penalty-free certificate withdrawals
• Fee waivers
• Short-term relief loan
• Low-rate credit card
• No fee payment extension on current loan(s)

• Furloughed Federal Employees loan amounts up to $3,000. Members facing hardships should call for assistance.

• Personal loan with a 45-day first payment deferral
• Members with existing loans may be eligible for a no-fee “Skip-a-Payment”

S.A.F.E. Program (Special Assistance for Federal Employees) Closed-End Loan

• Loan up to $10,000 (max 2 months gross pay)
• Up to 36 months; rates as low as 7.49 APR

• Low fixed-rate loan with no payments for 90 days
• Free skip loan payments until paychecks resume on a normal cycle
• Free financial counseling
• Fee waivers

Relief Line of Credit (view the full details for eligibility)

• Relief Line of Credit Available for Furloughed Government Employees: Special line of credit is available for up to $10,000 at introductory 0.00% APR for 90 days. After 90 days it will convert to 8.99% APR for the remainder of the 24-month term.

• Skip-a-Pay on loans, with no processing fee
• Special low-rate assistance loans
• Waived late charges and other types of fees

Government Shutdown Support (more details and eligibility)

• Government Shutdown Loan
  • Loan amounts up to $5,000 (maximum of 2X member’s monthly income)
  • Terms up to 24 months
  • Flat rate of 7.49% APR
  • No payment for up to 60 days
  • Members must qualify under normal lending guidelines
• Payment deferrals on existing loans
  • Eligible members may skip up to 2 months of payments
  • Excludes real estate loans, mobile homes and revolving loans (including credit cards)
• Waived early withdrawal penalty on certificates of deposit
  • No penalty on withdrawals up to $10,000

• Emergency Relief Loan
• Payment deferrals up to 3 months
• Temporary reduced payment plans
• Skip-a-Pay fee waiver
• Forbearance modifications (mortgage loans)

• Skipped payments
• Loan Deferments
• No penalty certificate withdrawals

Financial Relief Options (review full details on website for eligibility)

• Loan payment deferment and refunds on late fees on a case-by-case basis
• Skip-a-Pay available for eligible members with loans
• Emergency credit card for immediate access to extra funds
• Penalty-free early withdrawal of share certificates
• Cash advance fee refunds on SDFCU credit cards

Government Shutdown Member Assistance

• Federal Employee Paycheck Assistance Loan Program: Short-term, low or no-cost income replacement loans to eligible Tower FCU members who are federal employees, military personnel, law enforcement, and contractors who face missed pay due to the federal government shutdown.
• Loan and credit card payment deferrals
• Free financial counseling services
• Waiver of Certificate/CD withdrawal penalties

Furlough Assistance – (review for details on eligibility)

• Emergency Furlough Loan – Up to 2 weeks of net pay. Borrow up to $3,000, 4.50% APR up to 18 months, first payment deferred up to 45 days, quick application process.
• Skip one monthly payment, fee waived (auto loan, personal loan, or VISA credit card with Transportation FCU)

• Loan extensions
• Net Pay Loans

Federal Shutdown Assistance (view for details and eligibility)

• Skip-a-Pay on all eligible loans
• Payment Deferment – USPS FCU will work with members on existing loans with the credit union that may not qualify for the skip-a-pay program. Loans must be current in order to apply. Members will be required to sign an extension agreement in accordance with USPS FCU’s policy.
• Withdrawal Penalty Fees Waived – Waived penalty fees for early withdrawal from club accounts or share certificates.
• Free Financial Counseling

Federal Government Shutdown Assistance (more details)

• Government Shutdown Relief Loan Program – Up to $5,000 loan, no payments and 0.00% APR for 90 Days. Full payment due at the end of the term. Members who are in good standing, have not caused a loss, are no more than 30 days delinquent and who are not currently in bankruptcy can qualify for the special loan program.