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A government shutdown can make it hard to make ends meet. We offer financial relief options to help members affected by a government furlough.
If you have our HOLIDAY CLUB ACCOUNT, your funds will transfer on Thursday, October 9, 2025.
Financial Relief Skip-A-Payment1
During this time of uncertainty, we’re here to help provide some financial relief. For members impacted by the shutdown, our Financial Relief Skip-A-Payment1 allows you to skip a monthly payment on your Credit Union auto and personal loan(s). The $25 fee per loan will be waived during a government shutdown.
Credit cards, mortgage loans, Home Equity loans and lines of credit are NOT ELIGIBLE for Skip-A-Payment.
Download the Skip-a-Pay Request FormFurlough Relief 0% APR2 Emergency Loan
A special 0% APR2 Emergency Loan is available to members with direct deposit.
- Borrow up to $2,500
- 0% APR2 for 60 days
- No Payments for 60 days
- Low 7.75% APR2 after 60 days with up to 12 months to repay
To APPLY for the 0% APR2 Emergency Loan, complete the online loan application as a “Personal Loan“ and SELECT “Emergency Loan“.
Click to Apply for the Emergency LoanAdditional Financial Relief Options
- Loan Modifications
- Penalty free early Share Certificate Withdrawals (direct deposit or current government paystub/W-2 must be provided)
For members impacted by the shutdown who do not have direct deposit or an auto or personal loan, please contact us to discuss alternative financial relief options. Apply now or contact us to get started.
1You must be a member in good standing, including being current on all loans with the credit union, in order to participate in the LCFCU Government Shutdown Skip-A-Payment program. Skip-A-Pay fee is waived. Please note that only Consumer Loans are eligible for the program. Visa Credit Cards, Personal LOC and Mortgage Loan products (First Mortgage, Home Equity Line of Credit and Second Trust) are NOT ELIGIBLE for the program. Interest will continue to accrue on your outstanding loan balance(s), and could result in additional payments required to pay your loan in full. When payments resume, unpaid interest will be collected first and the remaining monies will be applied toward principle.
2APR = Annual Percentage Rate. LCFCU Emergency Loans cannot be combined with any other LCFCU loans or loan discounts. You must have been a LCFCU member for a minimum of six months. Payments will be set up as a payroll deduction with the first payment starting 60 days from loan date. Other restrictions may apply. The Emergency Loan offer is only available for a limited time.
