{"id":2970,"date":"2024-09-24T12:40:06","date_gmt":"2024-09-24T19:40:51","guid":{"rendered":"https:\/\/www.lcfcu.org\/wph\/workarea\/?page_id=2970"},"modified":"2025-12-11T14:03:26","modified_gmt":"2025-12-11T14:03:26","slug":"government-shutdown-relief","status":"publish","type":"page","link":"https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/resources-2\/government-shutdown-relief\/","title":{"rendered":"Financial Relief Options"},"content":{"rendered":"\n<p>Some days it can be hard to make ends meet. \u00a0We offer <strong>financial relief options<\/strong> to help members experiencing challenges like an unexpected illness, change in employment, a natural disaster or a government furlough.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Financial Relief Skip-A-Payment<sup>1<\/sup><\/h2>\n\n\n\n<p>During this time of uncertainty, we&#8217;re here to help provide some financial relief. For members impacted by a sudden financial set back or a shutdown, our <a href=\"https:\/\/www.lcfcu.org\/loans\/skip-a-payment\"> <strong>Financial Relief Skip-A-Payment<sup>1<\/sup><\/strong><\/a> allows you to skip a monthly payment on your Credit Union auto and personal loan(s). <em>The $25 fee per loan will be waived during a government shutdown.<\/em><\/p>\n\n\n\n<p><strong><em>Mortgage Loan products <\/em><\/strong><em>(First Mortgage, Home Equity Line of Credit and Loan\/Second Trust)<\/em><strong><em> are NOT ELIGIBLE for Skip-A-Payment.<\/em><\/strong><\/p>\n\n\n\t\t\t<a  class='btn btn-1 big' href='https:\/\/www.lcfcu.org\/loans\/skip-a-payment' target='_self' rel='noopener noreferrer'>Download the Skip-a-Pay Request Form<\/a>\n\t\t\t\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Furlough Relief Emergency Loan<\/h2>\n\n\n\n<p>A special Emergency Loan will be available to members in the event of a government shutdown.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Additional Financial Relief Options<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loan modifications or extensions available for mortgage and consumer loans<\/li>\n<\/ul>\n\n\n\n<p>For members impacted by a shutdown who do not have direct deposit or an auto or personal loan, please contact us to discuss alternative financial relief options.<\/p>\n\n\n\n<p><em><sub><sup>1<\/sup>You 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. <strong>Skip-A-Pay fee is waived<\/strong>. Please note that only Consumer Loans are eligible for the program. <strong>Mortgage Loan products <\/strong>(First Mortgage, Home Equity Line of Credit and Loan\/Second Trust) <strong>are NOT ELIGIBLE for the program<\/strong>. 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.&nbsp;<\/sub><\/em><\/p>\n\n\n\n<p><\/p>\n\n\n\t\t\t<div class=\"band band\">\n\t\t\t\t<div class=\"zone\">\n\t\t\t\t\t<div class=\"feature-wrap-callout-box\">\n\t\t\t\t\t\t<div class=\"feature\">\n\t\t\t\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<h2 class=\"wp-block-heading\">What Our Members Are Saying<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><em>\u201cAfter consolidating some bills and taking some for a vacation we&#8217;re still saving $120 a month! It&#8217;s always a pleasure dealing with LCFCU. The loan process is quick and the employees are very friendly.\u201d<\/em><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\"><em>C.G., member since 2023<\/em><\/h3>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Featured Products and Services<\/h2>\n\n\n\t\t\t<div class=\"band \">\n\t\t\t\t<div class=\"zone\">\n\t\t\t\t\t<div class=\"feature-wrap feature-wrap-standard-custom-block row row-3\">\n\t\t\t\t\t\t\n\t\t\t<div class=\"feature \">\n\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"feature-image-inner cover-image img-1\">\n\t\t\t\t\t\t\t\t\t\t<img src='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageBecome-a-member-2.jpg' srcset='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageBecome-a-member-2.jpg 400w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageBecome-a-member-2-300x300.jpg 300w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageBecome-a-member-2-150x150.jpg 150w' sizes='(max-width: 400px) 100vw, 400px' \/>\n\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div><!--feature-image-->\n\t\t\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n            \t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2>Become a Member<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<p>See if you are eligible to become a member.<\/p>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-text-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-cta\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/about-us\/become-a-member-2\/\" target=\"_self\">Read More<span class=\"fas fa-angle-right\" aria-label=\"caret\" role=\"img\"><\/span><\/a>\n\t\t\t\t\t\t\t<\/div><!--feature-cta-->\n\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-->\n\t\t\t\t<\/div><!--feature-padding-->\n\t\t\t<\/div><!--feature-->\n\t\t\t\n\n\t\t\t<div class=\"feature \">\n\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"feature-image-inner cover-image img-1\">\n\t\t\t\t\t\t\t\t\t\t<img src='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageStay-informed-1.jpg' srcset='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageStay-informed-1.jpg 400w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageStay-informed-1-300x300.jpg 300w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageStay-informed-1-150x150.jpg 150w' sizes='(max-width: 400px) 100vw, 400px' \/>\n\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div><!--feature-image-->\n\t\t\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n            \t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2>Annual Report<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<p>Download the latest Library of Congress FCU Annual Report.<\/p>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-text-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-cta\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lcfcu.org\/wp-content\/uploads\/2025\/06\/LibraryofCongressFCU-AnnualReport.pdf\" target=\"_self\">Read More<span class=\"fas fa-angle-right\" aria-label=\"caret\" role=\"img\"><\/span><\/a>\n\t\t\t\t\t\t\t<\/div><!--feature-cta-->\n\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-->\n\t\t\t\t<\/div><!--feature-padding-->\n\t\t\t<\/div><!--feature-->\n\t\t\t\n\n\t\t\t<div class=\"feature \">\n\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"feature-image-inner cover-image img-1\">\n\t\t\t\t\t\t\t\t\t\t<img src='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageExplore-careers-1.jpg' srcset='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageExplore-careers-1.jpg 400w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageExplore-careers-1-300x300.jpg 300w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageExplore-careers-1-150x150.jpg 150w' sizes='(max-width: 400px) 100vw, 400px' \/>\n\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div><!--feature-image-->\n\t\t\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n            \t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2>Explore Careers at LCFCU<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<p>Be part of a team dedicated to serving America\u2019s library community.<\/p>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-text-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-cta\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/about-us\/careers\/\" target=\"_self\">Read More<span class=\"fas fa-angle-right\" aria-label=\"caret\" role=\"img\"><\/span><\/a>\n\t\t\t\t\t\t\t<\/div><!--feature-cta-->\n\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-->\n\t\t\t\t<\/div><!--feature-padding-->\n\t\t\t<\/div><!--feature-->\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t","protected":false},"excerpt":{"rendered":"Some days it can be hard to make ends meet. \u00a0We offer financial relief options to help members experiencing challenges like an unexpected illness, change in employment, a natural disaster or a government furlough. Financial Relief Skip-A-Payment1 During this time of uncertainty, we&#8217;re here to help provide some financial relief. For members impacted by a [&hellip;]","protected":false},"author":7,"featured_media":4377,"parent":989,"menu_order":7,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"","_lmt_disable":"","attr_subtitle":[],"attr_date":[],"attr_excerpt":[],"attr_secondary_image":[],"footnotes":""},"class_list":["post-2970","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Financial Relief Options - Library Of Congress FCU<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Relief Options - Library Of Congress FCU\" \/>\n<meta property=\"og:description\" content=\"Some days it can be hard to make ends meet. \u00a0We offer financial relief options to help members experiencing challenges like an unexpected illness, change in employment, a natural disaster or a government furlough. 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